How Can You Get Pet Insurance At Affordable Prices?

Reviewed By Tom •  Updated: 08/17/22 •  5 min read
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Pet Insurance At Affordable Prices

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If your pet gets sick or hurt and needs veterinary treatment, you probably want them to get it as soon as possible. It is not unusual, however, for veterinary expenses to run into the thousands of dollars, which can result in significant financial stress and emotional distress.

With the best cheap pet insurance, owners don’t have to worry about how they’ll pay for expensive veterinarian care for their pet if it ever becomes sick or hurt. Pet insurance is a wise investment to safeguard your pet’s health at a reasonable cost and for the long term.

What can be done to lower the cost of pet insurance?

When protecting your furry friend, you won’t find a single insurance plan that works for everyone. That’s why it’s common for service providers to let you tweak your plan to suit your finances and requirements better. When it comes to customisation, what variables will matter the most?


It’s the amount you’ll have to shell out of pocket before your pet insurance kicks in. you can reduce the premium for the policy by raising the deductible. Select a deductible that works for you by deciding how much you can afford to put out of your pocket before you start receiving reimbursement.

Inquire as to whether the deductible is annual or per incidence. You must pay the deductible in full for each incidence with some service providers. In other words, the deductible applies twice if your cat has two different medical emergencies in the same year (say, an ear infection and an operation to remove a toy he swallowed).

Extreme Levels Per Year

It’s the yearly maximum amount your pet insurance will pay out. A lower annual maximum also means less money out of pocket for the coverage.

You must make this decision in your animal friend’s best interests. You may pay too much for your domestic shorthair kitten’s insurance if you select a $10,000 annual maximum. If, however, you have a huge purebred dog who is at risk for genetic diseases, you may want to consider a limit of $15,000.

Percentage of Reimbursement

It’s the proportion of expenses covered by insurance once a deductible has been met. Your premium will be cheaper if the reimbursement % is lowered. It may not be possible to adjust your premium based on the percentage of reimbursement you get from some service providers.


Some pet insurance companies even provide “riders” to cover preexisting diseases like cancer and genetic disorders. In other words, you won’t get coverage until you actively request it. If they aren’t necessary, they aren’t included. Including them will result in a higher yearly or monthly rate.

What Factors do Will Influence the Cost of Pet Insurance?

The factors that can affect the cost of insurance policies like health insurance and car insurance are generally understood by everyone. However, the premium for your pet dog or cat depends on several criteria. You have some say over certain issues.

First, we’ll disprove some common beliefs regarding the factors that impact insurance rates. Some things, contrary to popular belief, have no bearing on your insurance premium at all:


Generally speaking, dog insurance costs more than cat insurance. There are a few explanations for this: Generally, dogs are larger than cats. Thus the costs associated with treating, medicating, and hosing them down are higher. When was the last time your $1,400 vet bill resulted from your cat swallowing a corn cob?


Bigger animals tend to command higher prices due to the “larger breed, higher price” principle. A Newfoundland weighs 130 pounds, making it more expensive to medication, board, and sedate than a Yorkie who weighs 4 pounds. However, an additional component of the size influences cost susceptibility to genetic disorders.

Not everything can be reduced to a size classification. Unfortunately, even toy breeds are not immune to hereditary disorders. In the end, any dog could be at greater risk if they have a family history of a particular disease or are more likely to sustain a certain type of injury. It is why we classify the most popular breeds and mixes into danger categories.


Although research reveals that males are slightly more likely to be examined by a veterinarian than females, gender-based pricing did not emerge until the past few years.

Confirmed History of Neutering or Spaying

a decrease in risk for pets that have been sterilized, by the way. Spayed females cannot have uterine infections, and neutered males cannot get testicular cancer, so many responsible pet owners opt not to change their furry friends. Getting an animal “fixed” will reduce the cost of insurance, as there may be behavioral components to the risk associated with intact pets.


It’s a bitter truth for city dwellers, but veterinary care costs are naturally higher in densely populated places compared to more remote or suburban locations. Veterinarians in large cities make more money to offset the cost of living, and you’re also more likely to find more advanced care there in the form of hospitals and alternative care clinics.


Your pet’s insurance won’t go down as they get older. Payouts and coverage for your 12-year-old Shepherd will remain the same as when he was a 5-year-old or a puppy.

Even if a 12-year-old dog has been in good health for most of his life, he may rack up significant vet expenditures in his twilight years. The additional cost comes with greater danger. The cost of insurance will reflect the potential danger involved.


There are a lot of factors to consider when searching for pet insurance. Fees will change based on factors like your pet’s age and breed. While some insurance providers may pay for preventative care like spaying and neutering, others will only pay for medical emergencies. However, any of the plans we discussed here can help you save money on your pet’s medical care.

The best way to find affordable and comprehensive pet insurance is to compare quotes from multiple providers.

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Tom has always loved to write since he was little - he wanted to be either a writer or a veterinary doctor, but he ended up being a professional writer while most of his works are based on animals. He was born in San Francisco but later moved to Texas to continue his job as a writer. He graduated from the University of San Francisco where he studied biotechnology. He is happily married and a soon to be father!

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