5 Factors That Affect Pet Insurance Costs

Pet insurance costs are influenced by several factors.

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Research is an essential part of good financial planning. No one likes to be surprised by extra fees and charges when paying the bills.

But if you know what to expect in advance, you can make adjustments to potentially cut costs. That’s why it’s so important to understand the factors that affect rates. What you buy mortgages, life insurance Where animal insuranceit helps to prepare.

If you’re interested in pet insurance, it’s worth talking to an insurance expert. They can answer all your questions and provide you with a free quote.

5 Factors That Affect Pet Insurance Rates

Here are five factors that affect pet insurance rates.

  1. Age
  2. Animal species
  3. raise
  4. type of insurance
  5. Location


It may seem obvious, but keep in mind its influence when applying for pet insurance. just like life insurance for humans, the older your pet, the more likely you will have to pay. Indeed, older animals are more prone to health problems than younger ones, and their subsequent care will be more expensive.

That’s why it makes sense to get pet insurance now before your pet gets old and their bills go up. Talk to a pet insurance professional who can help you get started.

Animal species

It may be a case of too little too late for current owners. But for those who don’t yet have a pet – or want to add a new one to the family – it’s useful to know that dogs are generally more expensive to insure than cats. Dogs and cats both have their own medical issues to deal with, but cats generally have fewer, making them cheaper to insure (and cheaper for you to pay).


Some breeds are predisposed to medical conditions. A German Shepherd is more likely to need medical intervention for hip dysplasia than most other breeds, for example. English Bulldogs, Frenchies, and similar types of dogs are susceptible to brachycephalic airway obstruction syndrome (BAOS). Be aware of this when comparing pet insurance rates. If you have one of these breeds, you may end up paying more.

type of insurance

As type of life insurance vary, as do pet insurance options. If you want comprehensive insurance that covers many different visits and treatments, you will likely pay more than if you had taken out a basic accident-only policy. You get what you pay for, and if you want more coverage, you’ll have a bigger bill to reflect that.

Talk to a pet insurance expert who can help you with a cost-benefit analysis.


You might think the price of pet insurance would be the same across the country. Unfortunately, this is not always the case. Those in major metropolitan areas may pay a little more than those in rural areas. If the overall cost of veterinary care is higher in a particular city or state, it is safe to assume that the price of pet insurance will be higher there as well.

The bottom line

Pet insurance rates are influenced by a range of factors. But that doesn’t mean it’s not worth buying – or that there’s still no reliable ways to save money and get cheap pet insurance.

Contact a pet insurance expert today who can help you develop a plan that works for you and your furry friends. Or use the table below to start your own search.

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