These 3 Cities Are The Most Expensive Places To Own A Pet -- How Pet Insurance Can Help

The cost of pet ownership is highest in Seattle, where monthly pet-store and care costs exceed the U.S. average by about 23%. The ranking also highlights Portland, Oregon, and Portland, Maine as high-cost entrants. The findings come from a Bank of America internal spending study covering January to April 2026, reported by Forbes Advisor. Orlando, Florida is the most affordable among the cities studied, about 10% below the national average. Dallas and Atlanta also show comparatively lower monthly pet expenses, underscoring regional cost differences for owners.

Pet insurance can help offset those costs, with standard policies reimbursing up to 90% in qualifying cases. For example, Spot Pet Insurance cites Seattle dog vet bills averaging about $498, making deductibles and reimbursement levels meaningful. Wellness add-ons can cover supplements and prescription food but raise policy costs. Vet expenses have outpaced inflation in 2025, and higher living costs in Washington, Oregon, and Maine amplify the burden. Insurers such as Lemonade and Pets Best operate in these markets, but readers should review policy terms to fit their pet’s needs.