yours The age of the petThe breed and location, and the coverage options and discounts chosen will all affect the total cost of your pet insurance.
1. Coverage options
Most of them Pet insurance providers It allows you to customize yours Annual limit, deduction And Compensation amount. They generally pay the lowest Monthly premium If you choose low Annual limitLow Return percentage And high deduction. However, you will pay more Out of pocket When your pet goes to the vet.
2. Race
Breeds with a higher risk of certain health conditions cost more to insure each month. Clean pets can be prone to diseases He can do it. Veterinary medicine The more expensive, the higher the price of A Pet insurance policy.
3. Age
The cost of covering an elderly pet will always be more expensive than a young one, but each to their own Supplier It has different policies on when and how to increase premiums.
Most of them Pet insurance companies Allow you Sign up Your pet is 6 weeks old. Some companies have a maximum age limit. RegistrationUsually from 10 to 14 years. So, if you have a senior dog or cat, you need it Find a company with no upper age limit.
So, when should you? Sign up Your pet in the plan? Patrik Holmboe, chief veterinarian at Cooper Pet CareHe pointed out, “In general, the best time Sign up When your pet is young and healthy in pet insurance. Basically, the sooner, the better!” Most of them Pet insurance companies Do not cover Conditions, and the possibility of developing them in old age increases. Holmbo added, “Most policies are cheaper for young pets. If you start early, most insurance policies allow you to lock in this lower rate or get a discount when the animal ages.
4. Location
of Average cost of Veterinary medicine Where you live can affect your costs Pet insurance policy. For example, look at these three verses Healthy paws. All three quotes are for the same plan for a 1-year-old, mixed-breed dog, but Monthly premium It varies where the pet lives.
- New York City, New York: 52.11 dollars
- Raleigh, NC: 41.82 dollars
- Houston, Texas: 35.44 dollars
Get a quote from you to get the most accurate idea of how much pet insurance costs where you live It is preferred Pet insurance provider. We recommend that you get at least three quotes Suppliers To find the best price and coverage for your furry friend.
5. Discounts
a lot Suppliers Offer discounts when you do Sign up Multiple pets or pay for your annual coverage. face to face. In addition, some Suppliers Discounts b Policy holders Those who are members of the military or animal care workers. Compare offers from major companies below.