How Much is Pet Insurance per Month?
If you're thinking about getting pet insurance, you're probably wondering how much it's going to cost you each month. The answer to this question depends on several factors, including your pet's age, breed, and health status, as well as the type of coverage you choose.
Pet Insurance Costs
1. Pet's Age
The older your pet is, the higher the cost of pet insurance. This is because older pets are more likely to have health problems.
2. Pet's Breed
Some breeds of pets are more prone to certain health conditions than others. This can affect the cost of pet insurance. For example, dogs that are prone to hip dysplasia are likely to have higher insurance premiums than dogs that are not.
3. Pet's Health Status
If your pet has any pre-existing health conditions, this will also increase the cost of pet insurance. This is because pre-existing conditions are more likely to lead to claims.
4. Type of Coverage
The type of coverage you choose also affects the cost of your pet insurance. There are two main types of coverage: accident-only coverage and comprehensive coverage.
Accident-Only Coverage: This type of coverage only covers accidents, such as broken bones or lacerations. It does not cover illnesses, such as cancer or diabetes.
Comprehensive Coverage: This type of coverage covers both accidents and illnesses. It also typically includes coverage for wellness care, such as vaccinations and checkups.
Average Cost of Pet Insurance
The average cost of pet insurance depends on your pet's age, breed, health status, and type of coverage. However, you can expect to pay between $30 and $100 per month for pet insurance.
How to Save Money on Pet Insurance
There are several ways to save money on pet insurance.
1. Choose a High Deductible: The higher your deductible, the lower your monthly premium will be. However, you'll need to be prepared to pay more out-of-pocket if your pet gets sick or injured.
2. Consider Accident-Only Coverage: If your pet is healthy and you're on a tight budget, accident-only coverage may be a good option for you.
3. Shop Around: Get quotes from several different pet insurance companies before you make a decision. This will help you find the best deal on pet insurance.
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