Pet insurance in Italy: what it costs
What a typical dog and cat policy costs in Italy, how the size of the breed changes it, and what to check before you buy.
Checked 8 November 2026
Typical price
Dog
€17.50 a month, about €210 a year
Poste Assicura (Aug 2026): Labrador, 3 yrs, surgery vet reimbursement + RC + legal protection about 210 EUR/yr (17.50/month). Market: from about 10 to 22 EUR/month (Facile.it, Sept 2026); complete policies 25-30 EUR/month (Selectra). Italian policies are often surgery-led rather than full illness cover. source
Cat
€13 a month, about €156 a year
Poste Assicura (Aug 2026): cat aged 3, surgery vet reimbursement + RC + legal protection about 156 EUR/yr (13/month). Market range about 10-22 EUR/month (Facile.it, Sept 2026). source
By size
| Size | Per month | Per year |
|---|---|---|
| Toy | €11.55 | €138.60 |
| Small | €13.65 | €163.80 |
| Medium | €15.22 | €182.70 |
| Large | €19.43 | €233.10 |
| Giant | €26.25 | €315 |
Our estimate: the typical price scaled by the size of the dog. Real quotes depend on the breed, its age, the cover and the excess.
Check your breed
Estimates for popular breeds
| Breed | Per month | Per year |
|---|---|---|
| Labrador Retriever | €17.32 | €208 |
| French Bulldog | €25.02 | €300 |
| German Shepherd Dog | €18.90 | €227 |
| Golden Retriever | €16.45 | €197 |
| Dachshund (Standard) | €14.18 | €170 |
| English Cocker Spaniel | €14.52 | €174 |
| Chihuahua | €11.03 | €132 |
| Border Collie | €14.18 | €170 |
| Mixed breed (dog) | €13.12 | €158 |
| Mixed breed (cat) | €11.05 | €133 |
| Maine Coon | €12.87 | €154 |
| British Shorthair | €12.22 | €147 |
| Ragdoll | €11.57 | €139 |
Before you buy
- New policies often have an age limit, so insuring young is cheaper and easier.
- There is usually a waiting period before illness cover starts.
- Conditions the animal already has are not covered.
- Check whether hereditary conditions such as hip dysplasia are covered. Each breed page lists the ones to ask about.
- A higher excess or co-payment lowers the price but raises what you pay at the vet.
- Look at the yearly limit. One operation can cost more than a cheap policy pays out.
Rules and costs for dogs in Italy → Pet insurance by country
Prices are typical published prices, not a quote. Pet Wiki is not an insurer or a broker.