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How much does pet insurance cost?

Pet insurance can help offset the costs or even cover them entirely.

LWA/Larry Williams/Blend Images/Getty Images

Grocery prices aren’t the only thing getting more expensive—so are vet bills. Fortunately, pet insurance can help. Veterinarian bills can add up quickly if your pet has an injury or illness, but pet insurance can offset or even fully cover those costs.

Like human health insurance, you pay a monthly premium and, in return, get coverage for a variety of treatments, prescriptions, and sometimes preventative measures.

don’t wait Regardless of the breed, gender or age of your pet, added protection is important. And there’s more Pet insurance benefits for new owners. Get started now by getting a free price quote.

How much does pet insurance cost?

With most pet insurance providers, you’ll pay between $30 and $70 per month for a dog and between $15 and $40 per month for a cat. The price you pay will depend on many things becauseincluding:

Animal type and sex, age, location of the animal

The insurance company you choose is also important, so it’s important to shop around when getting pet insurance. Get at least three quotes to make sure you’re getting the best deal and coverage. Use the table below to get started!

You may also be able to get pet insurance through an existing insurance company that you work with (that is, yours Car insurance, for example). Many companies offer discount For consumers with multiple coverage lines.

there Other reliable ways to get cheap pet insurance. Here are two important tips:

Talk to your vet. They won’t directly affect your rates or coverage, though They can help give you advice Plan to benefit your dog or cat. Tailor your policy accordingly so you don’t end up paying for coverage you don’t need. Get an accident-only policy. An accident-only policy is exactly what it sounds like – coverage for accidents only. While this baseline coverage won’t be comprehensive (it won’t cover drugs, for example) it may be enough for your needs. And it won’t break the bank.

How does pet insurance work?

Pet insurance policies usually work on a compensation Basically, you pay your vet directly and then file a claim with your insurer. They will then process that claim and reimburse you for the appropriate amount. Depending on your policy and treatment, this may be the full amount or a percentage of what you were originally charged.

In some cases, these policies have a except. This means you have to pay a certain amount out of pocket before your insurer will contribute.

If this sounds like something that could benefit, consider providing some basic information to receive a free price quote.

What does pet insurance cover?

Does not fall for anything wrong idea. Pet insurance has many benefits, although coverage varies based on insurer and plan. Generally, pet insurance covers unexpected injuries and emergencies as well as major items like surgery.

Here’s a look What most insurance companies cover:

Accidents and injuries, illnesses such as broken bones, cuts or swallowed objects, including allergies, infections and diabetes Surgery for hereditary and congenital conditions, such as hip dysplasia, cherry eye or glaucoma Treatment for behavioral problems, such as pacing, chewing or licking therapy Fees for care and diagnostics, such as blood tests, MRIs, and X-rays Emergency tests Cancer treatments Certain medications and prescription foods

Note that all pet policy plans will have coverage limits — the insurer will contribute a maximum amount annually. You’ll want to keep these in mind when choosing your policy.

Pet insurance usually doesn’t include routine care, such as vaccinations, heartworm/flea preventatives or annual check-ups – at least not automatically. However, many insurers allow you to add coverage for these items for an additional fee.

Pet insurance usually won’t cover it Predefined conditions So if your pet has a documented condition before taking out your policy, any treatment related to it will not be eligible for reimbursement.

Types of pet insurance

There are many types of pet insurance plans. Here’s what you should know:

Comprehensive plan: Companies usually offer a comprehensive plan, which includes coverage for accidents and injuries as well as tests, diagnostics, medications and other treatments your veterinarian deems necessary.Accident Only Plan: Some insurers offer accident-only plans, which only cover injuries and treatment for accidents, such as snake bites or ingestion of poisonous substances. These tend to be the most budget-friendly options as coverage is limited.Routine Care or Wellness Plan (Add-on): You can add routine care or wellness packages to supplement your basic policy. This will cover annual check-ups, vaccinations, microchipping and more.

Have more questions? Consider contacting a pet insurance expert to learn more.

MoneyWatch: Managing Your Money

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