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Key takeaways:
- The average cost of pet insurance for a dog is $51 a month and $27 a month for a cat (for a policy with $5,000 of annual coverage, a $250 deductible and 80% reimbursem*nt level).
- The factors that affect pet insurance costs are breed, age of pet, where you live and the amount of coverage you choose.
- Finding the best pet insurance can be done by comparing quotes and coverage.
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How Much Is Pet Insurance on Average?
The average pet insurance costs $51 per month for dogs and $27 per month for cats, based on our analysis. That’s for a policy with $5,000 of annual coverage, a $250 deductible and an 80% reimbursem*nt level.
A policy with unlimited annual coverage, a $250 deductible and an 80% reimbursem*nt level costs an average of $76 per month for dogs and $37 per month for cats.
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Average Cost of Pet Insurance for Dogs and Cats
| Average monthly cost fo $5,000 annual coverage, $250 deductible and 80% reimbursem*nt | Average monthly cost for unlimited annual coverage, $250 deductible and 80% reimbursem*nt | |
|---|---|---|
Puppy | $42 | $58 |
Dog | $51 | $76 |
Kitten | $23 | $30 |
Cat | $27 | $37 |
Source: Forbes Advisor research
How Much Is Pet Insurance for Dogs?
Pet insurance costs an average of $51 per month for a dog for $5,000 of annual coverage, based on our analysis. The average pet insurance cost for a dog is $73 per month for a policy with unlimited annual coverage. Dog owners can expect to pay anywhere from $25 to $150 per month for pet insurance, depending on the dog’s age, the amount of coverage and the insurance company.
Average Pet Insurance Cost by Dog Age
| Average monthly cost for $5,000 annual coverage, $250 deductible and 80% reimbursem*nt | Average monthly cost for unlimited coverage, $250 deductible and 80% reimbursem*nt | |
|---|---|---|
Age 3 months | $42 | $58 |
Age 2 years | $40 | $58 |
Age 5 years | $52 | $80 |
Age 7 years | $71 | $108 |
Source: Forbes Advisor research
Average Cost of Dog Insurance by Company
ASPCA pet health insurance has the cheapest prices for dogs for both policies with $5,000 in annual coverage ($25 per month) and unlimited annual coverage ($35 per month). Pumpkin has the most expensive dog insurance for policies with $5,000 in annual coverage ($69 per month). Trupanion is the most expensive for unlimited annual coverage (averaging $150 per month).
| Company | Average monthly cost for $5,000 annual coverage for a puppy | Average monthly cost for $5,000 annual coverage for a dog | Average monthly cost for unlimited annual coverage for a puppy | Average monthly cost for unlimited annual coverage for a dog |
|---|---|---|---|---|
AKC | $36 | $48 | $43 | $56 |
ASPCA | N/A | $25 | N/A | $35 |
Chewy Value | $42 | $52 | N/A | N/A |
Chewy Essential Plus | N/A | N/A | $66 | $114 |
Embrace | $47 | $54 | $66 | $76 |
Fetch | $39 | $58 | $51 | $77 |
Figo | $31 | $38 | $48 | $60 |
Healthy Paws | N/A | N/A | $39 | $55 |
Lemonade | $28 | $34 | $43 | $52 |
ManyPets | N/A | N/A | $39 | $49 |
MetLife | $41 | $47 | $54 | $63 |
Nationwide | $46 | $64 | $49 | $69 |
Paw Protect | $46 | $53 | $67 | $77 |
Pets Best | $34 | $42 | $38 | $48 |
Prudent Pet Essential | $49 | $63 | N/A | N/A |
Prudent Pet Ultimate | N/A | N/A | $64 | $83 |
Pumpkin | $69 | $87 | $98 | $124 |
Spot | $38 | $48 | $77 | $97 |
Trupanion | N/A | N/A | $88 | $150 |
Source: Forbes Advisor research. Not all pet insurers offer unlimited annual coverage. Unlimited rates are based on $10,000 annual coverage for ASPCA and Metlife, $15,000 annual coverage for Fetch, and $5,000 annual accident coverage and $10,000 annual illness coverage for Nationwide.
Average Cost of Dog Insurance by Breed
Breed plays a major role in your dog insurance costs. Small mixed breed dogs are the cheapest to insure ($34 for policies with $5,000 annual coverage and $51 for policies with unlimited annual coverage) while Rottweilers are the most expensive ($88 for policies with $5,000 annual coverage and $154 for unlimited annual coverage).
| Breed | Average monthly cost for $5,000 annual coverage for a puppy age 3 months | Average monthly cost for unlimited annual coverage for a puppy age 3 months | Average monthly cost for $5,000 annual coverage for dog age 3 years | Average monthly cost for unlimited annual coverage for a dog age 3 years |
|---|---|---|---|---|
Beagle | $49 | $73 | $49 | $81 |
Bulldog | $83 | $124 | $83 | $137 |
Dachshund | $39 | $58 | $39 | $64 |
French bulldog | $82 | $124 | $83 | $137 |
German shepherd | $54 | $83 | $55 | $92 |
Golden retriever | $58 | $84 | $59 | $93 |
Labrador retriever | $57 | $85 | $58 | $94 |
Mixed breed (large) | $48 | $72 | $49 | $78 |
Mixed breed (medium) | $40 | $58 | $41 | $64 |
Mixed breed (small) | $34 | $47 | $34 | $51 |
Poodle | $53 | $77 | $53 | $84 |
Rottweiler | $87 | $138 | $88 | $154 |
Source: Forbes Advisor research
Average Dog Insurance Cost by State
Georgia and Texas are the cheapest states for dog insurance for $5,000 in annual coverage ($44 per month). Georgia is the cheapest state for unlimited annual coverage ($57 per month). Connecticut is the most expensive state for $5,000 in annual coverage ($62 per month) and Maryland is the most expensive state for unlimited annual coverage ($91 per month).
| State | Average monthly pet insurance cost for $5,000 annual coverage for a dog | Average monthly pet insurance cost for unlimited annual coverage for a dog |
|---|---|---|
Arizona | $55 | $86 |
California | $55 | $75 |
Connecticut | $62 | $90 |
Florida | $47 | $80 |
Georgia | $44 | $60 |
Illinois | $53 | $81 |
Indiana | $45 | $67 |
Maine | $50 | $76 |
Massachusetts | $59 | $88 |
Maryland | $59 | $91 |
Michigan | $53 | $71 |
Minnesota | $47 | $77 |
New Hampshire | $56 | $81 |
North Carolina | $47 | $68 |
New York | $56 | $85 |
Ohio | $45 | $67 |
Oregon | $56 | $80 |
Pennsylvania | $46 | $70 |
Texas | $44 | $67 |
Utah | $48 | $68 |
Virginia | $53 | $77 |
Washington | $49 | $77 |
Wisconsin | $49 | $73 |
Source: Forbes Advisor research
How Much Is Pet Insurance for Cats?
Pet insurance costs an average of $27 per month for a cat for a policy with $5,000 of annual coverage, a $250 deductible and an 80% reimbursem*nt level. A policy with unlimited annual coverage, a $250 deductible and an 80% reimbursem*nt level costs $37 per month.
The insurer and age of the cat influence how much you will pay. Cat owners can expect to pay anywhere from $14 to $65 per month for pet insurance, depending on the cat’s age, the amount of coverage and the insurance company.
Average Pet Insurance Cost by Cat Age
| Average monthly cost for $5,000 annual coverage, $250 deductible and 80% reimbursem*nt | Average monthly cost for unlimited coverage, $250 deductible and 80% reimbursem*nt | |
|---|---|---|
Age 3 months | $23 | $30 |
Age 2 years | $22 | $30 |
Age 5 years | $27 | $38 |
Age 7 years | $35 | $50 |
Source: Forbes Advisor research
Average Cost of Cat Insurance by Company
ASPCA pet health insurance has the cheapest prices for cats for both policies with $5,000 in annual coverage ($14 per month) and unlimited annual coverage ($20 per month). Pumpkin has the most expensive cat insurance for policies with $5,000 in annual coverage ($38 per month). Trupanion is the most expensive for unlimited annual coverage ($65 per month).
| Company | Average monthly cost for $5,000 annual coverage for a kitten | Average monthly cost for $5,000 annual coverage for a cat | Average monthly cost for unlimited annual coverage for a kitten | Average monthly cost for unlimited annual coverage for a cat |
|---|---|---|---|---|
AKC | $22 | $26 | $29 | $33 |
ASPCA | N/A | $14 | N/A | $20 |
Chewy Value | $22 | $27 | N/A | N/A |
Chewy Essential Plus | N/A | N/A | $28 | $45 |
Embrace | $21 | $26 | $29 | $37 |
Felix Cat Plus | $31 | $34 | N/A | N/A |
Felix Cat Fancy | N/A | N/A | $38 | $43 |
Fetch | $24 | $31 | $29 | $40 |
Figo | $15 | $16 | $23 | $26 |
Healthy Paws | N/A | N/A | $16 | $22 |
Lemonade | $17 | $18 | $25 | $28 |
ManyPets | N/A | N/A | $24 | $30 |
MetLife | $23 | $26 | $28 | $32 |
Nationwide | $23 | $29 | $25 | $31 |
Paw Protect | $21 | $26 | $30 | $38 |
Pets Best | $21 | $24 | $23 | $27 |
Prudent Pet Essential | $27 | $35 | N/A | N/A |
Prudent Pet Ultimate | N/A | N/A | $31 | $41 |
Pumpkin | $32 | $38 | $50 | $59 |
Spot | $20 | $24 | $39 | $46 |
Trupanion | N/A | N/A | $40 | $65 |
Source: Forbes Advisor research. Not all pet insurers offer unlimited annual coverage. Unlimited rates are based on $10,000 annual coverage for ASPCA and Metlife, $15,000 annual coverage for Fetch, and $5,000 annual accident coverage and $10,000 annual illness coverage for Nationwide.
Average Cost of Cat Insurance Cost by Breed
A cat’s breed plays a major role in pet insurance costs. Mixed breed cats are the cheapest breeds to insure ($24 per month for policies with $5,000 annual coverage and $34 per month for policies with unlimited annual coverage) while Maine Coons are the most expensive cats to insure ($30 per month for policies with $5,000 annual coverage and $45 per month for policies with unlimited annual coverage).
| Breed | Average monthly cost for $5,000 annual coverage for a kitten age 3 months | Average monthly cost for unlimited annual coverage for a kitten age 3 months | Average monthly cost for $5,000 annual coverage for a cat age 3 years | Average monthly cost for unlimited annual coverage for a cat age 3 years |
|---|---|---|---|---|
Abyssinian | $27 | $38 | $27 | $40 |
Bengal | $27 | $38 | $27 | $40 |
Bombay | $26 | $35 | $25 | $36 |
British shorthair | $28 | $38 | $28 | $40 |
Exotic shorthair | $28 | $39 | $28 | $41 |
Maine coon | $30 | $43 | $30 | $45 |
Mixed breed | $24 | $32 | $24 | $34 |
Persian | $30 | $40 | $29 | $42 |
Ragdoll | $27 | $36 | $26 | $37 |
Siamese | $26 | $35 | $26 | $37 |
Source: Forbes Advisor Research
Average Cat Insurance Cost by State
Indiana and Texas are the cheapest states for cat insurance for $5,000 in annual coverage ($23 per month). Georgia is the cheapest state for unlimited annual coverage ($29 per month). Connecticut is the most expensive state for $5,000 in annual coverage ($33 per month) and unlimited annual coverage ($45 per month).
| State | Average monthly pet insurance cost for $5,000 annual coverage for a cat | Average monthly pet insurance cost for unlimited annual coverage for a cat |
|---|---|---|
Arizona | $28 | $41 |
California | $31 | $41 |
Connecticut | $33 | $45 |
Florida | $24 | $41 |
Georgia | $23 | $29 |
Illinois | $27 | $39 |
Indiana | $23 | $31 |
Maine | $25 | $36 |
Massachusetts | $30 | $42 |
Maryland | $29 | $42 |
Michigan | $25 | $33 |
Minnesota | $26 | $35 |
New Hampshire | $30 | $40 |
North Carolina | $24 | $33 |
New York | $30 | $43 |
Ohio | $24 | $32 |
Oregon | $28 | $40 |
Pennsylvania | $24 | $35 |
Texas | $23 | $32 |
Utah | $25 | $34 |
Virginia | $27 | $36 |
Washington | $28 | $40 |
Wisconsin | $25 | $35 |
Source: Forbes Advisor Research
Average Cost of Veterinary Care and Medical Treatments for Cats and Dogs
The average vet visit cost is $70, according to a Forbes Advisor analysis of veterinarian costs. But your vet bills could quickly add up depending on the types of services your pet needs, including vaccinations or treatments for accidents and illnesses. Here’s a look at the average cost of a veterinary visit in different states.
Cost of Veterinary Care by State
| State | Average cost for a veterinary visit for one dog | Average cost for a veterinary visit with additional dog | Total cost for a veterinary visit with two dogs |
|---|---|---|---|
Alabama | $62 | $48 | $110 |
Arizona | $69 | $54 | $123 |
Arkansas | $62 | $48 | $110 |
California | $89 | $70 | $159 |
Colorado | $70 | $55 | $125 |
Connecticut | $77 | $60 | $137 |
Delaware | $79 | $61 | $140 |
Florida | $67 | $53 | $120 |
Georgia | $69 | $54 | $123 |
Idaho | $64 | $50 | $114 |
Illinois | $74 | $58 | $132 |
Indiana | $63 | $49 | $112 |
Iowa | $66 | $52 | $118 |
Kansas | $59 | $46 | $105 |
Kentucky | $64 | $50 | $114 |
Louisiana | $65 | $51 | $116 |
Maine | $77 | $60 | $137 |
Maryland | $83 | $65 | $148 |
Massachusetts | $81 | $63 | $144 |
Michigan | $68 | $53 | $121 |
Minnesota | $75 | $59 | $134 |
Mississippi | $64 | $50 | $114 |
Missouri | $68 | $53 | $121 |
Nebraska | $61 | $47 | $108 |
Nevada | $72 | $57 | $129 |
New Hampshire | $77 | $60 | $137 |
New Jersey | $83 | $64 | $147 |
New Mexico | $65 | $51 | $116 |
New York | $79 | $61 | $140 |
North Carolina | $67 | $52 | $119 |
Ohio | $68 | $53 | $121 |
Oklahoma | $63 | $49 | $112 |
Oregon | $73 | $57 | $130 |
Pennsylvania | $75 | $59 | $134 |
Rhode Island | $77 | $60 | $137 |
South Carolina | $66 | $52 | $118 |
Tennessee | $63 | $49 | $112 |
Texas | $66 | $52 | $118 |
Utah | $67 | $52 | $119 |
Virginia | $70 | $55 | $125 |
Vermont | $74 | $58 | $132 |
Washington | $77 | $60 | $137 |
West Virginia | $67 | $52 | $119 |
Wisconsin | $70 | $55 | $125 |
Wyoming | $70 | $55 | $125 |
Source: Banfield Pet Hospital
Average Cost of Medical Treatments for Cats and Dogs
The average cost of a pet’s medical treatment can be thousands of dollars, depending on the problem, according to Forbes Advisor’s analysis of vet visit costs.
| Condition | Average cost of treatment for dogs | Average cost of treatment for cats |
|---|---|---|
Cancer | $4,341 | $3,204 |
Ingested foreign objects | $5,106 | $4,636 |
Diabetes | $3,055 | $1,959 |
Broken bone | $2,898 | $2,772 |
Heart murmur | $881 | $790 |
Arthritis | $740 | $656 |
Dental disease | $1,038 | $1,186 |
Bladder infection/UTI | $513 | $846 |
Eye conditions | $1,059 | $758 |
Kidney disease | $1,813 | $1,409 |
Source: Pets Best, based on claims data from January 1, 2023 to December 31, 2023
7 Factors That Impact Pet Insurance Prices
Pet insurance companies use multiple factors when setting rates.
1. Coverage Type
One of the biggest factors determining pet insurance cost is the coverage. For example, a comprehensive policy that covers a range of treatments and also routine care will cost more than an accident-only policy.
Your coverage choices depend on the pet insurance company. Here are the common types of pet insurance plans:
- Comprehensive pet insurance plan. A comprehensive pet insurance plan will combine an accident and illness policy with a routine care plan.
- Accident and illness coverage. This type of policy helps pay for vet bills for unexpected incidents, such as sprains from accidents, poisonings and common illnesses, such as ear infections. This might also cover lab tests, surgeries, hospitalization, prescription medications and emergency care.
- Accident-only coverage. This type of policy covers certain medical expenses if your pet suffers an accident, such as a broken bone. Coverage might include diagnostic tests, surgeries, X-rays, hospitalization, prescription medications and emergency care.
- Routine wellness plans. This type of policy covers medical expenses for wellness exams, flea and heartworm prevention, vaccinations and other routine annual care. These plans are typically add-ons.
2. Deductibles
A deductible is the amount of money you pay out of pocket every year to a veterinarian before coverage starts. You can typically choose a pet insurance deductible that ranges from $0 to $1,000.
The higher your deductible amount, the less you pay in pet insurance costs.
3. Reimbursem*nt Levels
Pet insurance policies are reimbursem*nt-based, meaning you usually have to pay up front for your pet’s medical bills and submit a claim to the pet insurance company.
Once you meet the deductible for your plan by paying out-of-pocket, coverage kicks in at the level outlined in the plan. You can typically choose reimbursem*nt options of 70%, 80% or 90% of the pet medical expenses that are covered by the plan.
Pet insurance costs are higher for better levels of reimbursem*nt.
For example, say you have a pet insurance plan with a $500 deductible and 80% reimbursem*nt level:
- If the pet has a medical procedure that costs $1,500 and it’s your first claim of the policy period, you would first pay $1,500 to the vet.
- The first $500 of that is your deductible.
- Then you’d be reimbursed 80% of the remaining $1,000, for a reimbursem*nt of $800.
4. Pet’s Breed
Your pet’s breed is a factor in determining pet insurance costs. That’s because some breeds are predisposed to illnesses, which typically translates to more veterinary visits and higher medical bills. For example, some larger breeds of dogs are more susceptible to heart and hip issues.
In our analysis of filings by pet insurers to state regulators, we found many pricing levels based on dog breeds but little variation for cats.
Cats are cheaper to insure than dogs. And birds, reptiles, rabbits and ferrets cost less to insure than cats.
5. Age of Pet
A pet’s age is another piece of the pet insurance cost puzzle. As your pet gets older, the chances of illness and injury increase, which results in higher pet insurance costs. We analyzed age rating factors for a Veterinary Pet Insurance Co. policy and found that the best prices were after a pet’s first birthday until around age six. By the pet’s ninth birthday, you can expect its age rating factor to more than double.
| Age of pet | Dogs | Cats |
|---|---|---|
0 – 11 months | Base rate + 77% | Base rate + 88% |
1 year | Base rate | Base rate |
2 years | Base rate | Base rate |
3 years | Base rate + 9% | Base rate + 8% |
4 years | Base rate + 23% | Base rate + 17% |
5 years | Base rate + 38% | Base rate + 29% |
6 years | Base rate + 55% | Base rate + 43% |
7 years | Base rate + 71% | Base rate + 58% |
8 years | Base rate + 90% | Base rate + 76% |
9 years | Base rate + 115% | Base rate + 95% |
10 years | Base rate + 143% | Base rate + 117% |
11 years | Base rate + 173% | Base rate + 124% |
12 years | Base rate + 205% | Base rate + 168% |
13 years | Base rate + 229% | Base rate + 197% |
14 years | Base rate + 253% | Base rate + 225% |
15 years | Base rate + 281% | Base rate + 248% |
16 years | Base rate + 312% | Base rate + 257% |
17 years | Base rate + 347% | Base rate + 266% |
18 years | Base rate + 388% | Base rate + 276% |
19 years | Base rate + 435% | Base rate + 285% |
20+ years | Base rate + 450% | Base rate + 295% |
Source: State insurance filings from Veterinary Pet Insurance Co.
6. Location
Where you live and the local cost of veterinary care will affect pet insurance costs. For instance, pet owners in urban areas may pay more for pet insurance due to higher average vet costs.
7. Discounts
Pet insurance companies sometimes offer discounts such as:
- Multi-pet discount
- Bundling multiple policies like pet and home insurance
- Membership in organizations such as AARP
- Military member
- Annual pay discount
Pet Insurance Discounts by Provider
What Is the Cheapest Pet Insurance?
Pets Best, Fetch and Lemonade offer the best cheap pet insurance, based on our analysis of 10 policies.
| Our expert take | Company | Company - Logo | Average monthly cost for unlimited coverage | Forbes Advisor Rating | Forbes Advisor Rating | Learn More CTA text | Learn more CTA below text | LEARN MORE |
|---|---|---|---|---|---|---|---|---|
| Best overall | Pets Best |  | $44 for dogs $26 for cats |  | 5.0 | Compare Plans | ||
| Good for boarding fees | Fetch |  | $47 for dogs $62 for cats | | 4.9 | Compare Plans | ||
| Great prices for dogs and cats | Lemonade |  | $46 for dogs $22 for cats | | 4.9 | Compare Plans | ||
| Great for unlimited annual coverage | Healthy Paws |  | $52 for dogs $25 for cats |  | 4.6 | Compare Plans | ||
| Great for short waiting period for accident coverage | Figo |  | $59 for dogs $33 for cats |  | 4.3 | Compare Plans |
How Does Pet Insurance Work?
Pet insurance is generally reimbursem*nt-based. You’ll pay up front for your pet’s vet expenses and submit a claim for reimbursem*nt. Unlike health insurance, veterinarians aren’t in a provider network, so you can take your pet to any licensed veterinarian.
Here’s an example of a typical pet insurance claim:
- You take your dog to the vet for a problem, such as a skin infection.
- You pay the veterinarian bill.
- You submit a pet insurance claim to your pet insurance company. The claim should include a copy of the vet’s invoice and the dog’s medical record.
- The pet insurance company reviews the claim. If the problem is covered by your policy, the insurer will send you reimbursem*nt.
How much you are reimbursed will depend on your policy’s reimbursem*nt level. Many pet insurance companies allow you to choose a reimbursem*nt level. Common reimbursem*nt levels are 70%, 80% and 90%.
What pet insurance covers will depend on the type of plan you purchase. Review a plan’s benefits, coverage types and limits before buying to make sure it fits your needs.
Is Pet Insurance Worth It?
If you can’t afford to pay for a large unexpected vet bill out of pocket, pet insurance is worth it for the financial safety net it provides.
You can also buy add-on plans that help cover expenses for wellness and preventive care.
You may instead decide to set money aside for your pet’s care. But an unforeseen vet bill could set you back thousands of dollars. For example, the average cost to treat an ingested foreign object for a dog is $5,106, according to Forbes Advisor’s analysis of vet visit costs.
Methodology
We used data from Forbes Advisor research. Rates are based on dogs and cats of various ages and breeds. We collected rates for two different types of plans, where available.
- $5,000 in annual coverage, $250 deductible, 80% reimbursem*nt level
- Unlimited annual coverage, $250 deductible, 80% reimbursem*nt level
For pet insurers that did not have these coverage profiles, we substituted the following:
- ASPCA: Does not offer unlimited annual coverage. Rates are based on $10,000 of annual coverage.
- Chewy: Does not offer $5,000 of annual coverage, rates are based on $20,000 of annual coverage through the Value plan. Rates for unlimited annual coverage are based on the Essential Plus with a $250 deductible and 90% reimbursem*nt level.
- Felix: Available only for cats. Rates for $5,000 of annual coverage are based on the Cats Plus plan. Rates for unlimited annual coverage are based on the Cat Fancy plan with $10,000 of annual coverage.
- Fetch: Does not offer unlimited annual coverage, rates are based on $15,000 of annual coverage. We used a $300 deductible in states where a $250 deductible was not available.
- Healthy Paws: $750 for dogs and 70% reimbursem*nt level in several states. Healthy Paws only offers unlimited annual coverage.
- Lemonade: Does not offer unlimited annual coverage, rates are based on $100,000 of annual coverage.
- ManyPets: $500 deductible for dogs and cats in several states.
- MetLife: Does not offer unlimited annual coverage. Rates are based on $10,000 annual coverage.
- Prudent Pet: The Essential plan does not offer $5,000 of annual coverage, rates are based on $10,000 of annual coverage. Unlimited annual coverage is based on quotes from the Ultimate plan.
- Pumpkin: Does not offer $5,000 in annual coverage. Rates are based on $10,000 annual coverage. Rates for unlimited annual coverage are based on a $250 deductible and 90% reimbursem*nt level.
- Trupanion: Rates are based on a 90% reimbursem*nt level. Trupanion only offers unlimited annual coverage.
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Pet Insurance Cost Frequently Asked Questions (FAQs)
Will pet insurance offset the average cost of medical treatments?
Pet insurance plans will pay for many types of treatment and some pay for the cost of a vet visit, but whether you come out ahead will depend on how much you’ve been paying in premiums vs. how much you get back in claims. It will also depend on your deductible and reimbursem*nt percentage.
Do dogs really need insurance?
Medical bills for dogs can quickly add up if they are injured or fall ill. Pet insurance can be a good way to cover unexpected health care costs that pop up.
When considering if your dog needs pet insurance, run the numbers. Estimate the cost of veterinary services for medical issues that could arise and get quotes for pet insurance for your specific dog. You may find a cheap pet insurance plan is your best bet or instead decide to put money aside in a savings account for potential medical costs.
Does pet insurance cost increase with age?
Pet insurance costs typically increase with a pet’s age. Older pets are more likely to fall ill or be injured, so pet insurance companies raise rates as a pet ages. Your costs will usually go up at renewal time. You may be able to find a better price by comparing pet insurance quotes among several different insurers.
Are pet vaccinations covered by pet insurance?
Pet vaccinations are not typically covered by pet insurance. But some insurers offer an optional wellness plan that you can add to an accident and illness policy to help cover the cost of vaccinations.
For example, the Wellness Rewards plan from Embrace pet insurance will reimburse you the cost of preventative care, including vaccinations, up to the reimbursem*nt amount that you select.
Can pet insurance be used at any veterinarian?
Pet insurance companies typically reimburse you for bills from any licensed vet. This includes emergency visits and hospitalizations.
Can you get pet insurance for birds, reptiles or other exotic pets?
Most pet insurers limit coverage to dogs and cats, but you can get exotic pet insurance through Nationwide for pets such as amphibians, birds, fish, reptiles and small mammals such as rabbits and chinchillas. Nationwide’s exotic pet insurance plan covers accidents and illnesses, such as broken bones, poisoning, feather loss and internal parasites.
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