Keys to Affordable Pet Insurance
Not only are there lots of pet insurance companies and plans out there but every pet parent's definition of "affordable" is different. Here's what you should know about making pet insurance affordable.
Pet insurance can cost as little as $10 or more than $50 per month although the majority of plans are between $20 and $40 per month, about the same as your monthly cell phone bill.
Pets aged 8 weeks through about 5 years usually get the best rates and premiums may increase as your pet gets older.
Although there are a number of factors that determine how your pet insurance premium is calculated, in general you can make pet insurance more affordable by:
- Choosing a higher deductible
- Choosing a higher co-pay
- Taking advantage of any pet insurance discounts for which you may be eligible
- Choosing a lower annual maximum
- Paying annually instead of monthly
- Choosing not to take routine care coverage
Remember, the idea behind pet insurance is to share in the cost of veterinary care with you. The more of the veterinary costs you absorb through things like a higher deductible, the cheaper and more affordable your pet insurance will be.
Discounts Make Pet Insurance More Affordable
Some companies also provide discounts on pet insurance if you:
Ask if you are eligible for any of these discounts as they can definitely make your pet insurance more affordable.
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