I think when I looked into it when Lily and Peeves were young it was going to have been about $120/month for the two of them and I have no doubt that if you start a policy for a puppy that the rates go up slower than indicated by the prices for Lily and Peeves if I started them now, but at the time saving for problems seemed more sensible for our situation. I also have the option of either doing paid substitute teaching or taking on an extra private or two to pay for things like the bill for Lily this week.The prices do stay lower I think when you sign them up young. And it does vary by breed. My three are less than that a month. And let me tell you, around here you could spend way more than $4,700 on one weeks hospitalization...