Your pet’s agethe breed and location, as well as the coverage options and discounts chosen will all impact the overall cost of insuring your pet.
1. Cover options
Most pet insurers allow you to personalize your annual limit, deductible And repayment rate. You will usually pay the least monthly premium if you choose a bass annual limitweak refund percentage and high deductible. However, you will pay more in the pocket when your pet goes to the vet.
2. Breed
Breeds with a higher risk of certain health conditions will cost more to insure each month. Purebred Pets May Be Predisposed to Disease it can do veterinary care more expensive, driving up the price of a pet insurance policy.
3. Age
The cost of covering an older animal will always be more expensive than a younger one, but each supplier has different policies on when and how it raises premiums.
Most pet insurance companies allow you to to inscribe your pet at 6 weeks. Some companies have a maximum age limit for registration, often ranging from 10 to 14 years. Therefore, if you have an older dog or cat, you will need to find a company that does not have an upper age limit.
So when should you to inscribe your pet in a plan? Patrik Holmboe, Chief Veterinarian at Cooper Pet Caresuggested: “Overall, the best time to to inscribe your pet in pet insurance is when it is young and healthy. Basically, the sooner the better! Most pet insurance companies do not cover pre-existing conditions, and their chance of developing them increases with age. Holmboe added: “Most policies are cheaper for young animals. If you start early, most insurance policies allow you to either lock in that lower price or get some form of discount as the animal ages.
4. Location
THE average cost of veterinary care where you live can affect the cost of your pet insurance policy. For example, consider these three quotes from Healthy paws. All three quotes are for the same plan for a one year old mixed breed dog, but the monthly premium varies depending on where the animal lives:
- New York, NY: $52.11
- Raleigh, North Carolina: $41.82
- Houston, TX: $35.44
To get the best understanding of the cost of pet insurance where you live, request a quote from your favorite pet insurance provider. We recommend that you obtain quotes of at least three suppliers to find the best price and coverage for your furry friend.
5. Discounts
A lot suppliers offer discounts when you to inscribe multiple pets or pay for your annual coverage in the front. Moreover, some suppliers offer discounts for insured who are military or animal care workers. Compare discounts from top companies below.