How much is pet insurance for a mixed-breed dog?

Every published Mixed-breed dog figure

Each source measures something different, so the figures sit side by side and are never averaged together. 7 published monthly figures run from $32 (Forbes Advisor, $5,000 limit) to $70 (Forbes Advisor, unlimited).

Where the Mixed-breed dog sits among 82 dog breeds

Ranked by Pawlicy's median, the Mixed-breed dog is the 66th most expensive of the 82 dog breeds and types Pawlicy lists. Its median is 23% less than the middle dog breed on that list ($59.27).

The spread inside the breed matters as much as the median. A quarter of Mixed-breed dog quotes came in under $31.34 and a quarter over $62.14; the middle half spans 67% of the median. The range sits fairly evenly around the median ($14 below, $16 above). Pawlicy does not say which ages, deductibles or limits sit at each end.

What dog claims are usually for

None of the six ACVS condition pages used on this site names the Mixed-breed dog, which says nothing either way about its health: those pages list only the best-known examples. Across the whole insured population, NAPHIA's 2025 report ranks the most common dog claims as gastrointestinal, ear infection (otitis), skin conditions, anxiety, behavioral or neurological and allergies. Breed-predisposed conditions for other breeds are listed under health problems by breed.

Premiums against a real vet bill

Insurers' own claim data gives a sense of scale. For swallowing a foreign object, a common accident in any breed, Trupanion publishes an average claim of $2,964. At $45.70 a month that bill equals 64.9 months of premiums.

Worked through a policy with a $250 deductible and 80% reimbursement (the terms Forbes Advisor priced): the policy pays ($2,964 − $250) × 80% = $2,171, leaving $793 for the owner. Add a year of premiums ($548) and the insured year costs $1,341 against $2,964 without cover, $1,623 less. *The break-even bill, where both cost the same, is $250 + $548 ÷ 80% = $936 in a policy year; a year with smaller bills costs more insured. The calculator reruns this with other terms, and is pet insurance worth it? shows the method.

Age moves the price more than breed

These all-breed figures cannot be applied to the Mixed-breed dog figure above, but they show the direction. Forbes Advisor's average for a dog at a $5,000 limit runs from $43 at 3 months to $74 at 7 years (72% more). Insurify's medians climb from $46 for an adult dog to $116 for a senior, 152% more. NAPHIA's average dog premium rose 34% from 2021 to 2025. See pet insurance cost by age.

Similar dog premiums

• Australian Cattle Dog: $45.74 a month (Pawlicy Advisor)
• Yorkshire Terrier: $44.77 a month (Pawlicy Advisor)
• Shih Tzu: $44.72 a month (Pawlicy Advisor)
• Havanese: $47.26 a month (Pawlicy Advisor)

Premiums also vary by state: Pawlicy's all-pet median runs from Hawaii ($64.01) through Oklahoma ($43.97) to Alaska ($28.02). No source publishes breed figures by state, so this site does not combine the two. Browse every state or every breed.

Sources: Pawlicy Advisor (Median monthly premium of real Pawlicy customer quotes across the insurers it sells; the range is the 25th to 75th percentile. The page labels the median as the average.), Forbes Advisor, Forbes Advisor, Forbes Advisor, NAPHIA State of the Industry 2026, Trupanion claims examples, NAIC Pet Insurance Model Act. Last checked October 20, 2026. Method on the methodology page.