Transparent Pricing
The honest answer: it depends. Your pet's age, species, breed, and where you live all affect your rate. But Paws plans start at just R$15/month — and we'll show you exactly why.
See Sample RatesR$19
Basic plan starting price
R$35
Avg. dog insurance/month
R$24
Avg. cat insurance/month
98%
Claim approval rate
Pricing Factors
Five key factors go into calculating your monthly rate. Understanding them helps you find the right balance of coverage and cost.
Dogs cost more to insure than cats on average. Dogs have a higher incidence of costly conditions like cancer and orthopedic injuries.
Younger pets are less expensive to insure. Rates gradually increase with age, reflecting higher health risk. Enrolling early locks in a lower base rate.
Some breeds are predisposed to expensive conditions. Large and giant breeds, and brachycephalic dogs (Bulldogs, Pugs) often cost more.
Vet costs vary significantly by state and city. Urban areas with higher living costs have higher vet fees, which is reflected in your premium.
Higher annual limits, lower deductibles, and higher reimbursement rates increase your premium. You control all three when you get a quote.
The single best way to reduce your premium is to enroll your pet early. A puppy enrolled at 8 weeks will have a lower lifetime rate than the same dog enrolled at 5 years.
Get a quote now →Sample Rates
Sample rates for a healthy pet in a medium-cost market on the Essential plan. Actual rates vary based on your location and pet's profile.
Dog monthly premiums — Essential plan| Breed | Puppy (< 1yr) | Adult (1–5 yrs) | Senior (6–9 yrs) | Senior+ (10+ yrs) |
|---|---|---|---|---|
| Mixed Breed (small) | R$22 | R$28 | R$38 | R$52 |
| Labrador Retriever | R$29 | R$37 | R$51 | R$69 |
| Golden Retriever | R$31 | R$39 | R$54 | R$73 |
| French Bulldog | R$48 | R$61 | R$82 | R$109 |
| German Shepherd | R$33 | R$42 | R$58 | R$78 |
Cat monthly premiums — Essential plan| Breed | Kitten (< 1yr) | Adult (1–5 yrs) | Senior (6–9 yrs) | Senior+ (10+ yrs) |
|---|---|---|---|---|
| Domestic Shorthair | R$16 | R$21 | R$29 | R$41 |
| Maine Coon | R$22 | R$28 | R$39 | R$54 |
| Bengal | R$19 | R$24 | R$34 | R$47 |
| Persian | R$24 | R$31 | R$43 | R$59 |
Rates are illustrative. Your actual quote may differ based on your zip code, pet's health history, and selected deductible.
Is It Worth It?
Here's what a single unexpected vet visit can cost — compared to what you'd pay with Paws.
A single emergency can cost more than 7 years of premiums.
The math is simple. Pet insurance pays for itself the first time you need it.
Get Your Free QuoteAnswer 4 quick questions about your pet and get a personalized monthly rate. No commitment, no credit card.