Best pet insurance offers valuable peace of mind knowing your dog is insured if the unthinkable occurs. Just as with car insurance, your premium for your dog’s insurance will vary. It depends on what you have in the coverage and other factors, such as the region you live in. Let’s look at how a few factors can affect your rates when looking for your dog’s best pet insurance.
Age
In general, for older dogs, you have to pay more for their premiums than puppies. The reason behind this is the likelihood of them needing more treatment and care down the road is greater. Puppies are easier to treat and therefore lower the risk of them needing expensive medical attention. If your young pup requires an operation or emergency care, you may find yourself paying more than if you had a senior dog.
Breed
Some breeds require less veterinary care than others. If you want to keep your costs down, you may want to opt for a more expensive breed. There is no reason to choose the most expensive dog if it doesn’t fit your lifestyle. There are several different breeds, and many dog insurance companies have them. Ask your broker about their favorites and what your monthly premium is.
Location
The type of insurance company you choose will also depend on the region in which you reside. In some areas, they offer discounts based on whether you are a resident or non-resident.
Multiple Policy Discounts
Although they vary significantly in price, you should be able to find pet insurance that suits your budget. Many insurance companies also offer discounts for purchasing multiple insurance policies for your dogs. If you already have a dog insurance policy for him or her, you may be offered a deal for adding another policy. If you own a high-end dog, this may not be possible.
As you can see, several variables go into determining the best pet insurance. So, you need to carefully weigh your options and decide what fits your needs the best. To find the best insurance for your pet, you may want to start with a high-quality policy and only add to it as needed. This way, you can save money and keep your premiums affordable while getting the most coverage you need for your dollar.
Once you’ve found a few different companies to compare quotes from, keep in mind the factors you think could affect your decision. Some insurers offer discounts for age or breed, while others may be more interested in the breed of your dog.