How Much Does Pet Insurance Cost?
When shopping for the best price for pet insurance it is important to know how cat and dog health insurance costs are determined. Pets Best strives to be as transparent as possible to our customers in sharing how premiums are calculated and to help you choose a plan that is best suited to your pet's needs for the life of your pet. Premiums for pet health insurance are based primarily on the following four factors:
- Your dog or cat's age
- Your dog or cat's breed
- Your location
- Your plan's annual limit, annual deductible, and reimbursement level
When shopping for pet insurance, it's important to remember how cat and dog insurance costs can potentially change based on the age when you first sign up. Pets Best offers a wide variety of coverage choices, plus two optional routine care plans, so pet owners can select a plan that is perfect for their pets and their budget.
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Does pet insurance make sense? Can I find an affordable policy?
Pet insurance indeed makes a lot of sense, especially if your cat or dog is confronted with the need for major medical procedures or surgeries. And affordable policies are easy to find.
If your cat or dog never faces a serious medical bill, that’s lucky! If you’ve been paying for pet health insurance the whole time, it might look like that was wasted money. But just consider the alternative, and how relieved you’d feel if something had gone wrong—with your insurer coming through with a payout of thousands.
If you’re stuck deciding whether pet insurance costs make sense for your current (or growing) fur fam, it may be helpful to think about what pet insurance doesn’t cover, and what all this could mean for your budget if you do opt for a policy.
There are a number of things a basic pet policy often won’t cover, such as grooming fees or dental care, but the main exclusion you should have your eye on if you want the best deal is pre-existing conditions.
No policy will cover costs associated with care for a health issue your pet already has.
You won’t be denied coverage altogether, you just won’t be able to make claims on treatments related to that pre-existing condition.
That’s why it’s most worth it to enroll your furry friends in a policy when they’re just puppies and kitties and have the fewest health problems. Doing so will score you the lowest pet insurance premium possible and ensure your fluffiest family member is covered when disaster does strike.