Is Pet Insurance Worth It in 2026? A State-by-State Cost Analysis
Pet insurance premiums range from $34/month in Wyoming to over $61/month in California for dogs—but premiums tell only half the story. This 2026 guide breaks down vet costs, insurance rates, and the 'worth it' calculation for every state, showing that an Oklahoma owner saves over $8,100 across a pet's lifetime compared to a Californian, and why a single TPLO surgery can pay back years of premiums overnight.
24 min
Read180