How much does pet insurance cost for different dog breeds?

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Cost breakdown for different breeds Compare prices

Cheapest & most expensive breeds to insure Learn more

What you need to know

Every dog breed is unique and wonderful - and every breed costs a different amount to insure!
A Maltese Cross is typically the cheapest dog to insure ($821), according to our research.
At $2,374, Australian bulldog miniatures are the most expensive dogs to insure.

5 cheapest breeds to insure

Cheapest Dog Breeds to Ensure

5 most expensive breeds to insure

Expensive Dog Breeds to Insure

Finder survey: Have pet insurance premiums gone up for people in the last 12 months?

Response	Male	Female
0	74.59%	73.98%
1	13.82%	16.12%
2	10.16%	8.35%
3	0.61%	0.78%
4	0.41%	0.58%
5	0.41%	0.19%

Source: Finder survey by Pure Profile of 1009 Australians, December 2023

Compare pet insurance premiums by dog breed

Dog Breed	1 year old Average Accident & Illness Cost (Annual)	5 year old Average Accident & Illness Cost (Annual)
Cavoodle	$885	$1,156
Labrador	$1,394	$1,830
Golden Retriever	$1,238	$1,637
Maltese Cross	$821	$1,121
Staffordshire Bull Terrier	$1,215	$1,578
Border Collie	$992	$1,313
French Bulldog	$2,309	$3,101
German Shepherd	$1,270	$1,672
Miniature Dachshund	$1,112	$1,867
Labradoodle	$1,060	$1,437

Just pop in your dog's breed below, and see how much you might pay for comprehensive cover, and how much pet insurance costs for different breeds. Curious to know how we got the numbers? Read more about our methodology below

Looking for a specific breed?

Dog Breed	1 year old Average Accident & Illness Cost (Annual)	5 year old Average Accident & Illness Cost (Annual)
Aberdeen Terrier	$1,494	$2,070
Aberdeen Terrier Cross	$1,469	$2,081
Affenpinscher	$1,098	$1,490
Afghan Hound	$1,457	$1,934
Airedale Terrier	$1,365	$1,774
Airedale Terrier Cross	$1,248	$1,624
Akita Inu	$1,175	$1,514
Akita Inu Cross	$1,118	$1,449
Alaskan Husky	$1,072	$1,430
Alaskan Husky Cross	$1,018	$1,384
Alaskan Klee Kai	$1,221	$1,579
Alaskan Malamute	$1,707	$2,273
Alaskan Malamute Cross	$1,184	$1,562
Alsatian	$1,198	$1,587
Alsatian Cross	$1,091	$1,457
American Akita	$1,132	$1,475
American Akita Cross	$1,017	$1,326
American Bulldog	$2,281	$3,148
American Bulldog Cross	$2,075	$2,938
American Cocker Spaniel	$1,138	$1,498
American Cocker Spaniel Cross	$1,085	$1,506
American Eskimo	$1,175	$1,589
American Eskimo Cross	$1,030	$1,400
American Foxhound	$1,265	$1,755
American Foxhound Cross	$1,079	$1,511
American Pit Bull Terrier	$2,170	$3,119
American Pit Bull Terrier Cross	$2,009	$2,938
American Staffordshire Terrier	$1,271	$1,699
American Staffordshire Terrier Cross	$1,159	$1,601
American Water Spaniel	$1,161	$1,555
American Water Spaniel Cross	$1,054	$1,413
Anatolian Karabash	$1,115	$1,481
Anatolian Karabosh Cross	$1,126	$1,560
Anatolian Shepherd Dog	$1,146	$1,508
Anatolian Shepherd Dog Cross	$1,077	$1,460
Antartic Husky	$1,165	$1,611
Antartic Husky Cross	$1,124	$1,558
Australian Bulldog	$2,164	$2,929
Australian Bulldog Cross	$2,007	$2,750
Australian Bulldog Miniature	$2,374	$3,253
Australian Bulldog Miniature Cross	$2,080	$2,926
Australian Cattle Dog	$1,135	$1,475
Australian Cattle Dog Cross	$1,018	$1,351
Australian Cobberdog	$1,262	$1,746
Australian Cobberdog Cross	$1,167	$1,582
Australian Cobberdog Miniature	$1,240	$1,750
Australian Cobberdog Miniature Cross	$1,197	$1,577
Australian Heeler	$1,241	$1,707
Australian Heeler Cross	$1,137	$1,575
Australian Kelpie Sheepdog	$1,175	$1,575
Australian Kelpie Sheepdog Cross	$1,067	$1,438
Australian Koolie	$1,021	$1,331
Australian Koolie Cross	$1,065	$1,483
Australian Shepherd	$1,000	$1,365
Australian Shepherd Cross	$916	$1,223
Australian Silky Terrier	$1,142	$1,526
Australian Silky Terrier Cross	$951	$1,272
Australian Terrier	$1,173	$1,547
Australian Terrier Cross	$931	$1,241
Basenji	$1,080	$1,494
Basenji Cross	$1,031	$1,403
Basset Fauve De Bretagne	$2,034	$2,614
Basset Fauve De Bretagne Cross	$1,633	$2,388
Basset Hound	$1,565	$2,143
Basset Hound Cross	$1,425	$1,963
Beagle	$1,107	$1,560
Beagle Cross	$1,035	$1,405
Bearded Collie	$1,073	$1,409
Bearded Collie Cross	$994	$1,310
Bedlington Terrier	$1,387	$1,793
Bedlington Terrier Cross	$1,306	$1,703
Belgian Shepherd	$1,213	$1,585
Belgian Shepherd - Laekenois/Groenendael	$1,189	$1,577
Belgian Shepherd - Laekenois/Groenendael Cross	$1,149	$1,531
Belgian Shepherd - Malinois	$1,198	$1,588
Belgian Shepherd - Malinois Cross	$1,129	$1,542
Belgian Shepherd - Tervueren	$1,246	$1,684
Belgian Shepherd - Tervueren Cross	$1,120	$1,531
Belgian Shepherd Cross	$1,129	$1,553
Bernese Mountain Dog	$2,140	$2,930
Bernese Mountain Dog Cross	$1,903	$2,682
Bichon Frise	$1,043	$1,424
Bichon Frise Cross	$885	$1,167
Black and Tan Coonhound	$1,726	$2,442
Black and Tan Coonhound Cross	$1,444	$2,072
Black Russian Terrier	$1,586	$2,097
Black Russian Terrier Cross	$1,350	$1,809
Bloodhound	$1,829	$2,514
Bloodhound Cross	$1,579	$2,235
Blue tick Coonhound	$1,747	$2,467
Blue tick Coonhound Cross	$1,463	$2,095
Boerboel	$2,119	$2,828
Boerboel Cross	$2,113	$2,938
Bordeaux Mastiff	$2,272	$3,125
Bordeaux Mastiff Cross	$2,113	$2,938
Border Collie	$992	$1,313
Border Collie Cross	$969	$1,293
Border Terrier	$979	$1,281
Border Terrier Cross	$882	$1,183
Borzoi	$1,203	$1,595
Borzoi Cross	$1,018	$1,381
Boston Terrier	$1,436	$1,906
Boston Terrier Cross	$1,455	$1,979
Bouvier Des Flandres	$1,804	$2,419
Bouvier Des Flandres Cross	$1,408	$1,846
Boxer	$1,658	$2,175
Boxer Cross	$1,471	$1,744
Brazilian Mastiff	$2,153	$2,604
Brazilian Mastiff Cross	$2,051	$2,480
Briard	$1,147	$1,496
Briard Cross	$1,070	$1,434
British Bulldog	$2,221	$2,998
British Bulldog Cross	$2,062	$2,816
Brittany Spaniel	$1,057	$1,439
Brittany Spaniel Cross	$950	$1,197
Bull Arab	$1,070	$1,394
Bull Arab Cross	$1,032	$1,362
Bull Terrier	$1,636	$2,156
Bull Terrier Cross	$1,340	$1,738
Bullmastiff	$2,180	$2,919
Bullmastiff Cross	$1,816	$2,429
Cairn Terrier	$1,085	$1,443
Cairn Terrier Cross	$1,023	$1,380
Canaan Cross	$950	$1,299
Cane Corso	$2,096	$2,857
Cane Corso Cross	$1,884	$2,617
Cao De Serra De Aires	$1,194	$1,587
Cao De Serra De Aires Cross	$1,063	$1,424
Cardigan Corgi	$1,218	$1,665
Cardigan Corgi Cross	$1,179	$1,675
Cavalier King Charles Spaniel	$1,210	$1,618
Cavalier King Charles Spaniel Cross	$902	$1,188
Cavoodle	$885	$1,156
Central Asian Ovtcharka	$1,635	$2,183
Central Asian Ovtcharka Cross	$1,431	$1,933
Central Asian Shepherd	$1,393	$1,891
Central Asian Shepherd Cross	$1,046	$1,585
Cesky Terrier	$1,378	$1,845
Cesky Terrier Cross	$1,280	$1,789
Cheasapeake Bay Retriever	$1,244	$1,653
Cheasapeake Bay Retriever Cross	$1,170	$1,596
Chihuahua	$902	$1,230
Chihuahua Cross	$845	$1,120
Chinese Crested Dog	$1,031	$1,400
Chinese Crested Dog Cross	$955	$1,295
Chow Chow	$1,290	$1,689
Chow Chow Cross	$1,193	$1,623
Clumber Spaniel	$1,220	$1,636
Clumber Spaniel Cross	$1,187	$1,628
Cocker Spaniel	$1,113	$1,468
Cocker Spaniel Cross	$965	$1,282
Collie - Rough	$1,077	$1,433
Collie - Rough Cross	$1,139	$1,344
Collie - Smooth	$1,185	$1,399
Collie - Smooth Cross	$1,155	$1,381
Collie (Rough/Smooth) Cross	$1,010	$1,344
Corgi	$1,300	$1,789
Corgi Cross	$1,082	$1,456
Coton De Tulear	$1,084	$1,492
Coton De Tulear Cross	$983	$1,354
Curly Coated Retriever	$1,176	$1,537
Curly Coated Retriever Cross	$1,061	$1,422
Dachshund	$1,127	$1,862
Dachshund - Long Haired	$1,152	$2,030
Dachshund - Long Haired Cross	$1,071	$1,936
Dachshund - Smooth Haired	$1,152	$2,031
Dachshund - Smooth Haired Cross	$1,072	$1,938
Dachshund Cross	$1,040	$1,688
Dachshund Wire Haired	$1,111	$1,866
Dachshund Wire Haired Cross	$1,071	$1,936
Dalmatian	$1,299	$1,711
Dalmatian Cross	$1,161	$1,556
Dandie Dinmont Terrier	$1,330	$1,788
Dandie Dinmont Terrier Cross	$1,417	$1,814
Danish-Swedish Farm Dog	$1,028	$1,408
Danish-Swedish Farm Dog Cross	$941	$1,288
Deerhound	$1,855	$2,472
Deerhound Cross	$1,651	$2,244
Dingo	$994	$1,651
Dingo Cross	$930	$1,260
Doberman Pinscher	$1,911	$2,766
Doberman Pinscher Cross	$1,587	$2,245
Dobermann	$2,124	$3,210
Dobermann Cross	$1,296	$1,708
Dogo Argentino	Restricted breed	Restricted breed
Dogo Argentino Cross	Restricted breed	Restricted breed
Dogue De Bordeaux	$2,218	$2,963
Dogue De Bordeaux Cross	$1,905	$2,609
Drever	$1,225	$1,732
Drever Cross	$1,133	$1,539
Dutch Shepherd	$1,291	$1,739
Dutch Shepherd Cross	$1,163	$1,584
Egyptian Pharoah Hound	$1,614	$2,370
Egyptian Pharoah Hound Cross	$1,128	$1,564
Elkhound	$1,232	$1,677
Elkhound Cross	$989	$1,317
English Mastiff	$1,977	$2,641
English Mastiff Cross	$1,714	$2,336
English Pointer	$1,101	$1,435
English Pointer Cross	$999	$1,358
English Setter	$1,369	$1,800
English Setter Cross	$1,345	$1,810
English Springer Spaniel	$1,148	$1,473
English Springer Spaniel Cross	$1,047	$1,372
English Toy terrier	$988	$1,319
English Toy terrier Cross	$926	$1,269
Estrela	$1,801	$2,519
Estrela Cross	$1,619	$2,296
Field Spaniel	$1,121	$1,518
Field Spaniel Cross	$1,056	$1,472
Fila Brasileiro	Restricted breed	Restricted breed
Fila Brasileiro Cross	Restricted breed	Restricted breed
Finnish Lapphund	$1,096	$1,441
Finnish Lapphund Cross	$991	$1,348
Finnish Spitz	$1,019	$1,417
Finnish Spitz Cross	$966	$1,284
Flat Coated Retriever	$1,252	$1,643
Flat Coated Retriever Cross	$1,132	$1,510
Formosan Mountain Dog	$1,242	$1,629
Fox Hound	$1,362	$1,653
Fox Hound Cross	$1,064	$1,482
Fox Terrier Smooth	$957	$1,030
Fox Terrier Smooth Cross	$895	$1,199
Fox Terrier Wire	$957	$1,263
Fox Terrier Wire Cross	$901	$1,240
French Bulldog	$2,309	$3,101
French Bulldog Cross	$2,111	$2,874
French Poodle	$1,170	$1,552
French Poodle Cross	$1,203	$1,649
Gazelle Hound	$1,676	$2,283
Gazelle Hound Cross	$1,539	$2,097
German Hunting Terrier	$1,011	$1,342
German Koolie	$1,025	$1,390
German Koolie Cross	$985	$1,340
German Pinscher	$1,480	$2,029
German Pinscher Cross	$1,421	$2,042
German Schnauzer	$1,918	$2,795
German Schnauzer Cross	$1,159	$1,665
German Shepherd	$1,270	$1,672
German Shepherd Cross	$1,078	$1,424
German Short Haired Pointer	$1,164	$1,613
German Short Haired Pointer Cross	$1,026	$1,340
German Spitz	$1,043	$1,360
German Spitz Cross	$977	$1,244
German Wire Haired Pointer	$1,121	$1,518
German Wire Haired Pointer Cross	$1,033	$1,402
Golden Doodle (Groodle)	$1,101	$1,536
Golden Retriever	$1,238	$1,637
Golden Retriever Cross	$1,026	$1,362
Gordon Setter	$1,386	$1,820
Gordon Setter Cross	$1,369	$1,840
Grand Basset Griffon Vendeen	$1,672	$2,338
Great Dane	$1,940	$2,575
Great Dane Cross	$1,609	$2,133
Great Pyrenean	$2,029	$2,795
Great Pyrenean Cross	$1,837	$2,559
Greek Harehound	$1,441	$2,030
Greek Harehound Cross	$1,169	$1,663
Greyhound	$1,599	$2,103
Greyhound Cross	$1,069	$1,407
Greyhound Racing Dog	$2,165	$2,986
Griffon	$1,173	$1,579
Griffon Brabancon	$1,320	$1,858
Griffon Brabancon Cross	$1,193	$1,693
Griffon Bruxellois	$1,333	$1,873
Griffon Bruxellois Cross	$1,203	$1,762
Griffon Cross	$1,080	$1,459
HamiltonStovare	$1,061	$1,505
HamiltonStovare Cross	$1,032	$1,442
Harrier	$1,142	$1,590
Harrier Cross	$1,040	$1,453
Havanese	$930	$1,232
Havanese Cross	$849	$1,201
Hovawart	$1,579	$2,135
Hovawart Cross	$1,274	$1,693
Hungarian Kuvasz	$1,145	$1,498
Hungarian Kuvasz Cross	$1,065	$1,412
Hungarian Puli	$1,200	$1,715
Hungarian Puli Cross	$1,181	$1,645
Hungarian Vizsla	$1,580	$2,246
Hungarian Vizsla Cross	$1,439	$2,065
Huntaway	$1,725	$2,352
Huntaway Cross	$1,641	$2,222
Hygen Hound	$1,829	$2,542
Hygen Hound Cross	$1,564	$1,890
Ibizan Hound	$1,426	$1,925
Ibizan Hound Cross	$1,348	$1,760
Irish Red and White Setter	$1,461	$1,787
Irish Red and White Setter Cross	$1,360	$1,804
Irish Setter	$1,507	$1,825
Irish Setter Cross	$1,396	$1,751
Irish Terrier	$1,367	$1,854
Irish Terrier Cross	$1,321	$1,787
Irish Water Spaniel	$1,502	$2,013
Irish Water Spaniel Cross	$1,360	$1,829
Irish Wolfhound	$1,904	$2,466
Irish Wolfhound Cross	$1,371	$1,787
Italian Cane Corso	$1,913	$2,555
Italian Greyhound	$1,405	$1,831
Italian Greyhound Cross	$1,339	$1,778
Italian Lagotto Ramgnolo	$1,271	$1,796
Italian Lagotto Ramgnolo Cross	$1,186	$1,699
Italian Pointer	$1,303	$1,839
Italian Pointer Cross	$1,210	$1,683
Italian Sheepdog	$1,205	$1,653
Italian Sheepdog Cross	$1,098	$1,490
Italian Spinone	$1,168	$1,574
Italian Spinone Cross	$1,102	$1,502
Jack Russell Terrier	$947	$1,225
Jack Russell Terrier Cross	$847	$1,122
Japanese Akita	$1,093	$1,428
Japanese Akita Cross	$980	$1,435
Japanese Chin	$1,142	$1,542
Japanese Chin Cross	$1,063	$1,419
Japanese Spitz	$996	$1,323
Japanese Spitz Cross	$910	$1,216
Kangal	$1,528	$2,050
Kangal Cross	$1,447	$1,951
Keeshond	$1,241	$1,702
Keeshond Cross	$1,181	$1,676
Kelpie	$1,241	$1,707
Kelpie Cross	$1,129	$1,575
Kerry Blue	$1,414	$1,910
Kerry Blue Cross	$1,355	$1,878
King Charles Spaniel	$1,138	$1,382
King Charles Spaniel Cross	$942	$1,276
Komondor	$1,056	$1,362
Komondor Cross	$1,039	$1,349
Kuvasz	$1,139	$1,561
Kuvasz Cross	$1,097	$1,475
Labradoodle	$1,060	$1,437
Labradoodle Cross	$1,142	$1,464
Labrador	$1,394	$1,830
Labrador Cross	$1,183	$1,565
Labrador Retriever	$1,263	$1,644
Labrador Retriever Cross	$1,052	$1,430
Lagotto Rom	$1,416	$1,911
Lagotto Rom Cross	$1,093	$1,491
Lakeland Terrier	$1,170	$1,407
Lakeland Terrier Cross	$1,031	$1,399
Leonberger	$1,951	$2,668
Leonberger Cross	$1,600	$2,191
Lhasa Apso	$1,236	$1,648
Lhasa Apso Cross	$1,114	$1,500
Louisiana Catahoula Leopard Dog	$1,573	$2,216
Louisiana Catahoula Leopard Dog Cross	$1,199	$1,669
Lowchen	$1,144	$1,538
Lowchen Cross	$1,052	$1,468
Lurcher	$1,364	$1,803
Lurcher Cross	$952	$1,257
Malinois Shephard	$1,374	$1,889
Malinois Shephard Cross	$1,281	$1,783
Maltalier	$1,078	$1,484
Maltalier Cross	$1,668	$2,315
Maltese	$891	$1,185
Maltese Cross	$821	$1,121
Manchester Terrier	$1,295	$1,703
Manchester Terrier Cross	$1,271	$1,754
Maremma Sheepdog	$1,090	$1,434
Maremma Sheepdog Cross	$1,010	$1,371
Mastiff	$1,991	$2,637
Mastiff Cross	$1,818	$2,228
Mexican Hairless	$1,070	$1,404
Mexican Hairless Cross	$1,037	$1,369
Miniature Bull Terrier	$1,235	$1,617
Miniature Bull Terrier Cross	$1,110	$1,470
Miniature Dachshund	$1,112	$1,867
Miniature Dachshund - Smooth Haired	$1,152	$1,866
Miniature Dachshund - Smooth Haired Cross	$1,066	$1,817
Miniature Dachshund - Wire Haired	$1,112	$1,867
Miniature Dachshund - Wire Haired Cross	$1,066	$1,817
Miniature Dachshund Cross	$1,066	$1,817
Miniature Dachshund Cross Cross	$1,066	$1,817
Miniature Dachshund- Long Haired	$1,112	$1,867
Miniature Dachshund- Long Haired Cross	$1,066	$1,817
Miniature Doberman	$1,592	$2,111
Miniature Doberman Cross	$1,492	$1,996
Miniature Fox Terrier	$920	$1,201
Miniature Fox Terrier Cross	$867	$1,146
Miniature Maltese	$1,263	$1,754
Miniature Maltese Cross	$1,096	$1,590
Miniature Pinscher	$1,174	$1,544
Miniature Pinscher Cross	$1,101	$1,447
Miniature Poodle	$1,092	$1,456
Miniature Poodle Cross	$996	$1,349
Miniature Schnauzer	$1,070	$1,404
Miniature Schnauzer Cross	$902	$1,207
Miniature Toy Pom	$1,203	$1,610
Miniature Toy Pom Cross	$969	$1,283
Munster	$1,758	$2,372
Munster Cross	$1,681	$2,238
Munsterlander - Large	$1,192	$1,648
Munsterlander - Large Cross	$1,101	$1,493
Neopolitan Mastiff	$2,180	$2,635
Neopolitan Mastiff Cross	$1,655	$2,189
New Guinea Singing Dog	$1,007	$1,368
New Guinea Singing Dog Cross	$966	$1,316
New Zealand Huntaway	$1,746	$2,454
New Zealand Huntaway Cross	$1,617	$2,261
Newfoundland	$2,178	$2,915
Newfoundland Cross	$1,817	$2,428
Norfolk Terrier	$1,107	$1,469
Norfolk Terrier Cross	$1,088	$1,472
Norwegian Elk Hound	$1,172	$1,564
Norwegian Elk Hound Cross	$997	$1,306
Norwegian Hound	$1,124	$1,505
Norwegian Hound Cross	$1,115	$1,548
Norwich Terrier	$1,128	$1,493
Norwich Terrier Cross	$1,106	$1,493
Nova Scotia Duck Tolling Retriever	$1,123	$1,476
Nova Scotia Duck Tolling Retriever Cross	$1,046	$1,381
Old English Sheepdog	$1,240	$1,587
Old English Sheepdog Cross	$1,065	$1,444
Otterhound	$1,893	$2,662
Otterhound Cross	$1,538	$2,183
Papillon	$1,046	$1,382
Papillon Cross	$917	$1,205
Parson Jack Russell Terrier	$1,008	$1,328
Parson Jack Russell Terrier Cross	$975	$1,313
Patterdale Terrier	$1,036	$1,344
Pekingese	$1,247	$1,648
Pekingese Cross	$1,128	$1,497
Petit Basset Griffon Vendeen	$1,437	$2,068
Petit Basset Griffon Vendeen Cross	$1,464	$2,070
Pharaoh Hound	$1,491	$2,002
Pharaoh Hound Cross	$1,397	$1,807
Pinscher	$1,480	$2,028
Pinscher Cross	$1,507	$2,146
Plott Hound	$1,727	$2,442
Plott Hound Cross	$1,512	$2,150
Polish Lowland Sheepdog	$1,196	$1,535
Polish Lowland Sheepdog Cross	$1,119	$1,467
Pomeranian	$1,056	$1,424
Pomeranian Cross	$851	$1,127
Poodle - Standard	$1,131	$1,457
Poodle - Standard Cross	$1,036	$1,248
Poodle - Toy	$1,056	$1,387
Poodle - Toy Cross	$872	$1,143
Portuguese Water Dog	$963	$1,282
Portuguese Water Dog Cross	$966	$1,295
Prague Ratter	$959	$1,298
Pressa Canario	Restricted breed	Restricted breed
Pressa Canario Cross	Restricted breed	Restricted breed
Pug	$1,270	$1,706
Pug Cross	$1,078	$1,458
Puli	$1,048	$1,407
Puli Cross	$976	$1,373
Pyrenean Mountain Dog	$1,652	$2,208
Pyrenean Mountain Dog Cross	$1,533	$2,120
Rat Terrior	$932	$1,220
Rhodesian Ridgeback	$1,670	$2,283
Rhodesian Ridgeback Cross	$1,102	$1,432
Rottweiler	$2,178	$2,915
Rottweiler Cross	$1,817	$2,428
Saluki	$1,400	$1,850
Saluki Cross	$1,352	$1,817
Samoyed	$1,268	$1,651
Samoyed Cross	$1,167	$1,546
Sarplaninac	$1,706	$2,260
Sarplaninac Cross	$1,522	$2,066
Schipperke	$1,003	$1,331
Schipperke Cross	$917	$1,224
Schnauzer Giant	$1,726	$2,390
Schnauzer Giant Cross	$1,108	$1,511
Schnauzer Standard	$1,455	$2,023
Schnauzer Standard Cross	$1,049	$1,462
Schnoodle	$921	$1,200
Schnoodle Cross	$1,008	$1,260
Scotch Collie	$1,018	$1,376
Scotch Collie Cross	$995	$1,360
Scottish Terrier	$1,370	$1,732
Scottish Terrier Cross	$1,205	$1,648
Sealyham Terrier	$1,393	$1,863
Sealyham Terrier Cross	$1,390	$1,919
Shar-Pei	$2,159	$2,863
Shar-Pei Cross	$2,068	$2,756
Shetland Sheepdog	$1,033	$1,366
Shetland Sheepdog Cross	$962	$1,304
Shiba Inu	$1,066	$1,435
Shiba Inu Cross	$985	$1,384
Shih Tzu	$1,115	$1,505
Shih Tzu Cross	$1,008	$1,373
Shiloh shepherd	$1,314	$1,765
Shiloh shepherd Cross	$1,147	$1,468
Siberian Husky	$1,060	$1,431
Siberian Husky Cross	$1,028	$1,363
Skye Terrier	$1,154	$1,545
Skye Terrier Cross	$1,088	$1,468
Smithfield Cross	$1,000	$1,358
Soft Coated Wheaten Terrier	$1,205	$1,619
Soft Coated Wheaten Terrier Cross	$1,110	$1,473
Spanador	$1,467	$1,839
Spanador Cross	$1,637	$2,316
Spanish Water Dog	$1,084	$1,429
Spanish Water Dog Cross	$1,019	$1,372
Spitz Mittel	$1,156	$1,448
Spitz Mittel Cross	$1,063	$1,383
Spoodle Cross	$1,077	$1,487
Spoodle/Cockapoo	$903	$1,179
Springer Spaniel	$1,132	$1,473
Springer Spaniel Cross	$1,047	$1,372
St Bernard	$2,075	$2,797
St Bernard Cross	$1,672	$2,208
Staffordshire Bull Terrier	$1,215	$1,578
Staffordshire Bull Terrier Cross	$1,111	$1,442
Staghound	$2,158	$2,857
Staghound Cross	$1,420	$1,906
Stumpy Tail Cattle Dogs	$1,029	$1,375
Stumpy Tail Cattle Dogs Cross	$953	$1,258
Sussex Spaniel	$1,172	$1,569
Sussex Spaniel Cross	$1,114	$1,421
Swedish Vallhund	$1,102	$1,482
Swedish Vallhund Cross	$1,068	$1,483
Swiss Mountain Dog	$2,272	$3,125
Swiss Mountain Dog Cross	$1,881	$2,610
Swiss Mountain Dog Cross	$2,216	$2,610
Swiss Shepherd	$1,317	$1,775
Swiss Shepherd Cross	$1,078	$1,595
Tenterfield Terrier	$1,116	$1,505
Tenterfield Terrier Cross	$901	$1,240
Tibetan Mastiff	$1,976	$2,640
Tibetan Mastiff Cross	$1,731	$2,331
Tibetan Spaniel	$1,051	$1,427
Tibetan Spaniel Cross	$892	$1,194
Tibetan Terrier	$1,156	$1,554
Tibetan Terrier Cross	$1,055	$1,430
Timber Shepherd	$1,342	$1,850
Timber Shepherd Cross	$1,127	$1,564
Tosa Inu	$2,272	$3,125
Tosa Inu Cross	$2,113	$2,938
Turkish Kangal	$1,276	$1,745
Turkish Kangal Cross	$1,158	$1,560
Weimaraner	$1,657	$2,178
Weimaraner Cross	$1,523	$2,008
Welsh Corgi - Cardigan	$1,131	$1,504
Welsh Corgi - Cardigan Cross	$1,049	$1,440
Welsh Corgi - Pembroke	$1,138	$1,467
Welsh Corgi - Pembroke Cross	$1,083	$1,480
Welsh Springer Spaniel	$1,141	$1,484
Welsh Springer Spaniel Cross	$1,054	$1,381
Welsh Terrier	$1,117	$1,478
Welsh Terrier Cross	$1,110	$1,470
West Highland White Terrier	$1,120	$1,441
West Highland White Terrier Cross	$885	$1,197
Whippet	$1,328	$1,820
Whippet Cross	$1,266	$1,675
Wire-haired Pointing Griffon	$1,163	$1,613
Wire-haired Pointing Griffon Cross	$1,081	$1,478
Wire-Haired Terrier	$1,168	$1,759
Wire-Haired Terrier Cross	$1,111	$1,444
Wolf/ Wolf Hybrid	$1,566	$2,170
Wolfhound	$1,452	$1,894
Wolfhound Cross	$1,240	$1,604
Yorkshire Terrier	$1,069	$1,420
Yorkshire Terrier Cross	$897	$1,181
Yugoslavian Mountain Hound	$1,352	$1,836
Yugoslavian Mountain Hound Cross	$1,067	$1,482

Methodology: We averaged out the cost from 6 Australian pet insurance providers for accident and illness plan, we selected a $0 excess, wherever possible. Quotes were taken in November 2021 for a male, desexed dog that was born on 13/2/2016 for the 5-year-old dog and 13/2/2020 for the 1-year-old dog. The owner was 24 years old at the time, residing in the 2010 postcode.

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Why compare pet insurance with Finder?

You pay the same price as buying directly from the pet insurer.
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How does pet insurance work?

Pay for protection

To avoid unexpected veterinary costs if your pet suffers from an illness or injury, with pet insurance, you pay a premium either monthly or annually – policies cost an average of $20 to $60 a month.

Visit a vet

You can visit any licensed vet in Australia if your pet gets sick (as long as it's not due to a pre-existing condition) or injured. In most cases, you pay the vet directly for the bill. Some providers in Australia offer GapOnly, which means your pet insurance claim is calculated while you're at the vet, so you only pay the gap.

Get reimbursed

You get between 60% and 100% of your pet's vet costs reimbursed. You can generally claim a maximum of $12,000 and $25,000 per year, depending on the policy you choose, which is why it's worth comparing pet insurance.

1. Present evidence from a veterinary professional that your dog needs medical treatment. This can be in the form of consultation notes.
2. Collect receipts and/or an itemised invoice from your vet visit.
3. If it's the first claim, you'll sometimes need to show your pet's full medical history.
4. Fill in the necessary claim forms. Sometimes you'll need your vet to sign these.
5. Send all of the above to your insurer.
Your insurer will then double-check to see if the health issue is covered by your policy, and let you know how much you'll be reimbursed.

What changes the cost of pet insurance?

Yes, breed can impact the cost of pet insurance, but that's not all. Here are a few other factors that play a significant part in setting your premiums.

Age

Premiums usually increase with your dog's age, especially for illness cover.

Breed

Different breeds have different risk levels. Large dogs for example are typically more at risk of cruciate ligament injuries, while other breeds might be more susceptible to medication allergies. Pedigree breeds in particular are more susceptible to congenital health issues.

Sex

Different breeds are more susceptible to certain health risks.

Desexing

Desexing your dog can significantly lower your premiums as it reduces the risk of your dog contracting common serious illnesses and the likelihood of risky behaviour, such as running away or aggression towards other dogs.

Location

This can affect how likely your dog is to experience injuries, such as being hit by a car, as well as the typical vet fees you can run into. There's usually little regulation around how much vets can charge for their services, so you might find different prices in different places.

While veterinary fees are largely unregulated, the insurance industry is not. Your premiums are a reflection of actual risk levels, so higher premiums generally mean you're more likely to get more use out of your pet insurance.

How can I lower my pet insurance premiums?

There are several tips and tricks to reduce your pet insurance premiums. However, doing so could mean you'll be out of pocket later down the line:

Raise your excess. By choosing a higher pet insurance excess (the amount you'll have to pay if you make a claim), you are likely to find lower premiums than the averages listed on this page.

Pick a different type of cover. Accident-only cover is typically the cheapest dog insurance, whereas cover for accidents and illness is generally the most expensive. You can also select different policy limits to reduce your premium - this is the most your pet insurance will pay out in a 12 month period.

Shop around. Different insurers might assess dogs differently based on their breed and age, so the cheapest option for one person is not necessarily the cheapest for another. It's always worth shopping around to see if you can find better value dog insurance.

Why you can trust Finder's pet insurance experts

You pay nothing. Finder is free to use. And you pay the same as going direct. No markups, no hidden fees.

You save time. We spend 100s of hours researching pet insurance so you can sort the gold from the junk faster.

You can trust us. We say it like it is. We aren't owned by an insurer and our opinions are our own.

Thank you for your feedback!

Written by

Francesca Guerrera

Publisher

Francesca Guerrera is a Publisher at Finder, helping Aussies find the best deals when it comes to getting pet insurance for their fur babies or taking out life insurance. She has a Bachelor of Communications in Journalism from the University of New South Wales. See full bio

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