How much does a pet

insurance plan cost?

How much does a pet

insurance plan cost?


Just like humans, as pets get older (and wiser!), they’re more likely to need medical care.

It really depends (on a lot of things)

 

The average monthly cost of pet insurance plans can vary widely, from  $25 to $70 for dogs and from $10 to $40 for cats. That’s a huge range!

To make your decision about what insurance to choose, you need to know how pet insurance companies calculate their costs.

 

 

So, what goes into the numbers?

 

Your pet’s unique – and so is the quote pet insurance companies will come up with for them. Let’s take a quick run through some of the questions insurers might ask to work out how much to charge.
 
Where are you?
What you pay for your insurance is often linked up with the price of care where your pet lives. Vet fees are higher in some towns than in others. That’s why (even with the most affordable pet insurance company) you’ll probably pay more for coverage in New York City than you will in Arkansas.
 
Cat insurance  or dog insurance?
Pet insurance is generally more expensive for dogs than for cats. Dogs tend to live more active, outdoor lives (meaning more chances for mischief), while cats sleep for around 16 hours every day. That doesn’t mean though, unfortunately, that cats don’t run into trouble.
 
How big are they?
The bigger the pet, the bigger the risk of some health issues – especially things like arthritis in dogs. So pet insurance tends to be more expensive for bigger animals, since they’re more likely to need treatment for these health issues somewhere along the line.
 
What’s their breed?
Some dog and cat breeds are prone to health problems passed down from their parents. For example, pet insurance plans for Persian cats and English bulldogs can be pricier because certain breed characteristics, like their very ‘smooshed’ snouts, can cause breathing and digestive issues. If your pet’s breed tends to have certain health issues, your insurance payments might be higher. Mixed breed dogs are usually cheaper to insure because they have a wider gene pool and lower risk of inherited conditions.
 
How old are they?
Just like humans, as pets get older (and wiser!), they’re more likely to need medical care. So, you’ll likely see the price of best pet insurance increase with your pet’s age.
 

Can I choose how much to pay for my pet insurance plan?   

Yes – up to a point. Here’s what you’ll need to think about.
 
Coverage level
Accident-only plans are the cheapest, but they don’t provide any coverage when your pet is sick. A plan that covers illness and accident care is a bit more expensive (but worth it!). If you choose to add routine care or alternative treatment coverage to your pet’s insurance plan, that’ll cost a bit extra.    
 
Your deductible
This is the amount you’ll have to pay out of pocket for your vet bill before pet insurance starts covering costs. If you choose a higher deductible, then you’ll pay a lower monthly amount (known as a ‘premium’).
 
Your co-pay
This is the percentage of your bill that you cover (after you’ve paid your deductible) and then pet insurance pays the rest. So, if you have a 10% co-pay, you just pay your deductible, plus 10% of your bill, and your pet insurance covers the rest.
 
How does it all come together?
Different pet insurance plans offer different choices, but with our plans, you can pick 0%, 10%, 20% or 30% co-pay. And an annual deductible of $0, $100, $250, $500 or $750.
Your monthly pet insurance payment will be higher if you go for a lower deductible and lower co-pay. And your monthly payment will be lower if you choose a higher deductible and higher co-pay (just remember, you can’t pick both a $0 deductible and 0% co-pay).
Let’s say you’ve picked a plan with a 10% co-pay, and a $250 annual deductible, and you get a $10,000 bill from your vet for an emergency surgery for your dog. After taking off $1,000 for your co-pay and your $250 deductible, you’d end up with a payment of $8,775.
 

How can I find a good deal on a pet insurance plan?

First up, with any pet insurance company, make sure you’re getting a plan that covers what your pet really needs help with, like injuries and illnesses. And make sure you read the fine print so you know exactly what’s covered and you won’t be faced with any unwelcome surprises.
We offer affordable pet insurance plans that give dogs and cats the coverage they need (even if they don’t really want to go to the vet). Get a quote that squeezes into your budget, instead of stretching yourself.
We’ll protect your pals when they get into a scrape or start to sniffle. And if you’re looking for a little more, we offer a pet insurance wellness plan for their routine care, to keep them in tip-top shape.
And if you’re lucky enough to live with more than one pet? Check out how our multi-pet medical insurance discount works!
 

You might be interested in

Best dog insurance and cat insurance plan

How much does it cost?

Fair question. We've summed up what you need to know about budgeting for pet insurance.

Best dog insurance and cat insurance plan

Cheaper isn't always better

Getting the cheapest pet insurance sounds great on the surface, but we're here to sniff out the potential pitfalls. 

Best dog insurance and cat insurance plan

Why pet insurance?

Of course we'd say that pet insurance matters. But it's your pet we've got most in mind when we mention it.

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It really depends (on a lot of things)

 

The average monthly cost of pet insurance plans can vary widely, from  $25 to $70 for dogs and from $10 to $40 for cats. That’s a huge range!

To make your decision about what insurance to choose, you need to know how pet insurance companies calculate their costs.

 


Just like humans, as pets get older (and wiser!), they’re more likely to need medical care.
 

So, what goes into the numbers?

 

Your pet’s unique – and so is the quote pet insurance companies will come up with for them. Let’s take a quick run through some of the questions insurers might ask to work out how much to charge.
 
Where are you?
What you pay for your insurance is often linked up with the price of care where your pet lives. Vet fees are higher in some towns than in others. That’s why (even with the most affordable pet insurance company) you’ll probably pay more for coverage in New York City than you will in Arkansas.
 
Cat insurance  or dog insurance?
Pet insurance is generally more expensive for dogs than for cats. Dogs tend to live more active, outdoor lives (meaning more chances for mischief), while cats sleep for around 16 hours every day. That doesn’t mean though, unfortunately, that cats don’t run into trouble.
 
How big are they?
The bigger the pet, the bigger the risk of some health issues – especially things like arthritis in dogs. So pet insurance tends to be more expensive for bigger animals, since they’re more likely to need treatment for these health issues somewhere along the line.
 
What’s their breed?
Some dog and cat breeds are prone to health problems passed down from their parents. For example, pet insurance plans for Persian cats and English bulldogs can be pricier because certain breed characteristics, like their very ‘smooshed’ snouts, can cause breathing and digestive issues. If your pet’s breed tends to have certain health issues, your insurance payments might be higher. Mixed breed dogs are usually cheaper to insure because they have a wider gene pool and lower risk of inherited conditions.
 
How old are they?
Just like humans, as pets get older (and wiser!), they’re more likely to need medical care. So, you’ll likely see the price of best pet insurance increase with your pet’s age.
 

Can I choose how much to pay for my pet insurance plan?   

Yes – up to a point. Here’s what you’ll need to think about.
 
Coverage level
Accident-only plans are the cheapest, but they don’t provide any coverage when your pet is sick. A plan that covers illness and accident care is a bit more expensive (but worth it!). If you choose to add routine care or alternative treatment coverage to your pet’s insurance plan, that’ll cost a bit extra.    
 
Your deductible
This is the amount you’ll have to pay out of pocket for your vet bill before pet insurance starts covering costs. If you choose a higher deductible, then you’ll pay a lower monthly amount (known as a ‘premium’).
 
Your co-pay
This is the percentage of your bill that you cover (after you’ve paid your deductible) and then pet insurance pays the rest. So, if you have a 10% co-pay, you just pay your deductible, plus 10% of your bill, and your pet insurance covers the rest.
 
How does it all come together?
Different pet insurance plans offer different choices, but with our plans, you can pick 0%, 10%, 20% or 30% co-pay. And an annual deductible of $0, $100, $250, $500 or $750.
Your monthly pet insurance payment will be higher if you go for a lower deductible and lower co-pay. And your monthly payment will be lower if you choose a higher deductible and higher co-pay (just remember, you can’t pick both a $0 deductible and 0% co-pay).
Let’s say you’ve picked a plan with a 10% co-pay, and a $250 annual deductible, and you get a $10,000 bill from your vet for an emergency surgery for your dog. After taking off $1,000 for your co-pay and your $250 deductible, you’d end up with a payment of $8,775.
 

How can I find a good deal on a pet insurance plan?

First up, with any pet insurance company, make sure you’re getting a plan that covers what your pet really needs help with, like injuries and illnesses. And make sure you read the fine print so you know exactly what’s covered and you won’t be faced with any unwelcome surprises.
We offer affordable pet insurance plans that give dogs and cats the coverage they need (even if they don’t really want to go to the vet). Get a quote that squeezes into your budget, instead of stretching yourself.
We’ll protect your pals when they get into a scrape or start to sniffle. And if you’re looking for a little more, we offer a pet insurance wellness plan for their routine care, to keep them in tip-top shape.
And if you’re lucky enough to live with more than one pet? Check out how our multi-pet medical insurance discount works!
 

You might be interested in

Best dog insurance and cat insurance plan

How much does it cost?

Fair question. We've summed up what you need to know about budgeting for pet insurance.

Best dog insurance and cat insurance plan

Cheaper isn't always better

Getting the cheapest pet insurance sounds great on the surface, but we're here to sniff out the potential pitfalls. 

Best dog insurance and cat insurance plan

Why pet insurance?

Of course we'd say that pet insurance matters. But it's your pet we've got most in mind when we mention it.