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When it comes to caring for a dog or cat, there are almost no limits to what an owner will do. While owning a pet can be a fulfilling and loving experience, it can also come with times of stress and financial hardship. As the price of products and services seem to be rising everywhere (even vet fees went up last year), many pet owners find themselves looking for any perk they can get. This can include buying off-brand products, reducing grooming appointments and more.
Fortunately, animal insurance can help. In exchange for a minimum fee to a supplier each month (often At a reduced price if paid annually), owners can get blanket for a wide range of illnesses and emergencies. There is Several typesalso giving owners the flexibility to choose the most valuable and profitable plan for their pets.
As with most financial products and services, the timing of a purchase is critical. Pet insurance is no different. To get the most out of a plan, homeowners should take out a policy as soon as possible. But what is the best age to purchase pet insurance? This is what we will answer in this article.
If you’re considering pet insurance, start by getting a free quote now.
What is the best age to take out pet insurance?
There is no ideal numerical age to purchase pet insurance. Instead, owners should seriously consider purchasing a policy as soon as possible, or when the animal is as young as it will ever be. There are two major benefits of getting pet insurance when your dog or cat is a puppy or kitten:
Cost reduction
Pet insurance will never be cheaper than it is when your pet is young and healthy. Young, healthy pets are less risky to insure than older pets more prone to stubborn health issues. This lack of risk translates into lower monthly premiums for the owner. The longer you wait, the more likely your pet is to experience health issues that could increase the cost of coverage.
Full coverage
Pet insurance works differently than health insurance for humans. While pre-existing conditions may not be a factor for health insurance plans, they can significantly limit (and potentially eliminate) your pet insurance options.
“A pre-existing condition is an injury or illness that occurs or shows symptoms before coverage begins or during a waiting period,” says Spot Pet Insurance. “A condition is considered pre-existing whether or not it has been officially diagnosed or treated; all that matters is when it occurred or when symptoms first appeared.”
But, Spot notes, pet owners who fall into this category need not despair.
“However, with the plans provided by Spot, this does not mean that the condition cannot be covered in the future if the condition is curable,” they explain. “An injury or disease that is curable, healed and without treatment or symptoms for 180 days will no longer be considered pre-existing, with the exception of knee and ligament conditions. If a knee or ligament condition occurs before taking effect of hedging date or during a waiting period, futures will not be hedged.”
In short: If you want cheap, comprehensive pet insurance, it’s worth acting fast. As your pet ages, fonts will only become more expensive and less thorough. So consider pet insurance now while your options are more flexible.
You can get a free pet insurance quote from Spot in 30 seconds here now.
The bottom line
So what exactly is the best age to get pet insurance? Again, it’s hard to pinpoint an exact number, although some pet insurance companies offer a guide.
“You can enroll your pet in a plan provided by Spot once your pet is 8 weeks or older,” the insurer says. “There is no upper age limit for coverage or registrations.”
“You can register your dog or cat from the age of 7 weeks,” says the insurer Pets Best. “Like children, young dogs and cats have the greatest risk of accidents. And because their immune systems are immature, they are more susceptible to infectious diseases. age, so older dogs and cats have the same excellent coverage as kittens and puppies.”
Get a quote from Pets Best now to see how much it would cost to insure your furry friend.