Pet insurance cost by state / Middle Atlantic
Published state averages · checked October 20, 2026
What does pet insurance cost in Pennsylvania?
Pawlicy Advisor's 2026 customer quotes put the median Pennsylvania premium at $49.04 a month across all pets, the 15th highest of 51 states and DC. Insurify's May 2026 medians are $45 for a dog and $21 for a cat, and Forbes Advisor's Pennsylvania average for a 3-year-old dog is $43 at a $5,000 annual limit.
- 1Pawlicy median, all pets $49.04/mo
- 2Insurify, dogs $45/mo
- 3Insurify, cats $21/mo
- 4Share of US insured pets 4.5%
Every published Pennsylvania figure
| Source | What it measures | Monthly | Dated |
|---|---|---|---|
| Pawlicy Advisor | Median of customer quotes, all pets; middle half $30.13–$66.46 | $49.04 | October 15, 2026 |
| Insurify | Median of quotes, dogs | $45 | May 31, 2026 |
| Insurify | Median of quotes, cats | $21 | May 31, 2026 |
| Forbes Advisor | Average, dog aged 3, $250 deductible, 80%, $5,000 limit | $43 | October 1, 2026 |
| Forbes Advisor | Same dog, unlimited annual payout | $65 | October 1, 2026 |
The two large quote sets disagree on where Pennsylvania stands: Pawlicy ranks it 15th of 51, Insurify's dog medians 28th. They draw on different customers, insurers and dates, which is why this page shows both rather than one blended number. Pawlicy's all-pet median is 12% more than the median state ($43.97); Insurify's dog figure is the same as its median state ($45) and its cat figure 5% less than ($22). Forbes Advisor's $5,000-limit dog average is the same as the median of the 50 states it publishes ($43), and lifting the limit to unlimited adds 51% in Pennsylvania.
Dogs versus cats in Pennsylvania
A cat costs 47% of a dog's premium in Insurify's Pennsylvania figures ($21 against $45). Nationally, NAPHIA's 2025 averages are $69.67 a month for a dog and $36.25 for a cat on accident-and-illness cover, so Pennsylvania's Insurify dog median is 35% less than the national dog average. Accident-only plans are far cheaper: NAPHIA's 2025 averages work out to $15.83 a month for dogs and $9.33 for cats. Within the Pawlicy quotes for Pennsylvania, the middle half runs from $30.13 to $66.46, a band 74% as wide as the median, because age, breed and coverage choices spread prices within one state.
How many Pennsylvania pets are insured
NAPHIA's 2025 figures place 4.5% of all insured US pets in Pennsylvania (6th of 51) and 4.6% of the premium written. The two shares are about equal, so the average Pennsylvania policy brings in about the US-average premium. Pet insurance is regulated by each state; the Pennsylvania insurance department is the free route for checking an insurer's licence or filing a complaint, reachable from the NAIC directory.
Premiums against a vet bill in Pennsylvania
Trupanion's published average claim for a torn cruciate ligament is $5,439. At Pennsylvania's Insurify dog median of $45 a month and a policy with a $250 deductible and 80% reimbursement, the policy pays $4,151, the owner pays $1,288 of the bill plus $540 in premiums: $1,828 for the year against $5,439 uninsured. With no claim the premiums are simply spent. The break-even bill is $925 a year for a dog and $565 for a cat at the Insurify medians. Run other terms in the calculator or read deductible versus reimbursement.
Neighbouring states
New York: $52.85 (Pawlicy), $56 dog and $28 cat (Insurify); New Jersey: $52.29 (Pawlicy), $46 dog and $30 cat (Insurify). Across all states Pawlicy's highest median is Hawaii ($64.01) and the lowest Alaska ($28.02).
No source publishes breed premiums for individual states, so breed pages show national figures: for example Pekingese, Bichon Frise, the mixed-breed dog and the mixed-breed cat.
Sources: Pawlicy Advisor (updated October 15, 2026), Insurify (Rates current as of May 31, 2026), Forbes Advisor (Audited and verified Oct 1, 2026), NAPHIA State of the Industry 2026, Trupanion claims examples. Last checked October 20, 2026. Method on the methodology page.