Which dog breeds are the most expensive to insure?

English Bulldogs, French Bulldogs, Great Danes, Pugs, and Cavalier King Charles Spaniels are typically the most expensive dog breeds to insure in the UK. English Bulldogs can cost over �55/month for lifetime cover due to chronic brachycephalic and joint issues.

Which dog breeds are the cheapest to insure?

Whippets, Jack Russell Terriers, and Chihuahuas are among the cheapest pedigree dogs to insure, with premiums starting from around �12-15/month. Mixed breeds and crossbreeds are generally cheaper than pedigree dogs.

How much does cat insurance cost per month?

Cat insurance in the UK ranges from around �6/month for a Domestic Shorthair (moggy) to �28/month or more for high-risk pedigree breeds like Sphynx and Persian cats. Most cat owners pay between �10-20/month.

Does my pet's breed affect insurance cost?

Yes, breed is one of the biggest factors in pet insurance pricing. Breeds prone to hereditary conditions, brachycephalic issues, or cancer cost significantly more to insure. A French Bulldog can cost 2-3x more than a Jack Russell Terrier to insure.

40 breeds compared

Updated March 2026

Pet Insurance Cost
by Breed UK 2026

How much does insurance cost for your breed? We compare average monthly premiums, risk levels, and common claims for 40 popular dog and cat breeds.

Dogs (25) Cats (15)

Indicative premiums only. Prices shown are average estimates based on publicly available data from UK insurers. Your actual premium will vary based on your pet's age, health, postcode, and the level of cover you choose. VetCost is not regulated by the FCA and does not sell insurance.

Dog Insurance Costs

25 breeds sorted by average monthly premium (most expensive first)

English Bulldog

High risk

Pet Insurance Costby Breed UK 2026

Dog Insurance Costs

English Bulldog

Great Dane

French Bulldog

Pug

Cavalier King Charles Spaniel

Boxer

German Shepherd

Rottweiler

Golden Retriever

Dobermann

Dachshund

Labrador Retriever

Siberian Husky

Staffordshire Bull Terrier

Cocker Spaniel

Dalmatian

Cockapoo

Border Collie

Beagle

Miniature Schnauzer

Shih Tzu

Chihuahua

Yorkshire Terrier

Jack Russell Terrier

Whippet

Cat Insurance Costs

Sphynx

Persian

Maine Coon

Scottish Fold

Bengal

Ragdoll

Norwegian Forest Cat

British Shorthair

Siamese

Birman

Abyssinian

Burmese

Russian Blue

Domestic Longhair

Domestic Shorthair

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Pet Insurance Cost
by Breed UK 2026