How much pet insurance do you need?

Pet insurance offers owners a unique opportunity to protect both their beloved animals and their bank accounts.

Monthly minimum charge (Annual payment is cheaper) Owners can rest easy knowing that their dog or cat is receiving medical care, and have the financial support to survive an emergency in the event of an emergency.

However Pet insurance doesn’t work like health insurance for humans. The question of how much compensation owners should have for their pets is therefore a subjective one.

If you believe that insuring your animal will benefit you, get a free estimate today.

How much pet insurance do you need?

Here are three considerations to consider when trying to determine the right amount of pet insurance to purchase.

pet age

If your furry friend is young and healthy, you’ll probably get minimal compensation. An accident-only policy won’t break the bank, but it still provides emergency protection. However, if you want to save money and keep your insurance, this can do both.

Try to read the fine print. What is considered covered by one insurance provider’s accident-only policy may not be covered by another insurance provider, and vice versa. And remember: pet insurance often doesn’t cover pre-existing conditions, so it’s beneficial to act early before a nagging problem arises.

Talk to a pet insurance expert today and let them help you create a plan that fits your needs.

the breed of your pet

Some pet breeds are healthier than others, regardless of age. If you have a pet prone to persistent health problems, it’s probably safer to have a more robust plan.

For example, some dog breeds have known health problems. German Shepherds are more likely than most other breeds to require medical attention for hip dysplasia. English Bulldogs, Frenchies, and many other “flat-faced” dogs are prone to Brachycephalic Airway Obstruction Syndrome (BAOS).

If you know from the outset what health issues your pet may have, you can sign up for a plan to reduce costs in advance before it becomes a financial burden.

the type of your pet

There’s a reason cats are generally cheaper to insure than dogs. That’s because they tend to live longer and have fewer health problems. Dogs generally have short lifespans and suffer more illnesses throughout their lives.

So if you own a dog (especially if you own one of the above breeds), you may need much more pet insurance than if you own a cat.

“Dogs cost more to insure than cats, partly because of data showing they need more care than cats, and when they do, they cost more to insure.” One,” claims a recent Money.com report. Pet insurance should be purchased accordingly.

Conclusion

Pet insurance is often an inexpensive but valuable form of protection. On average, it’s $30-$70 per month for dogs and $15-$40 per month for cats. But how much to spend depends heavily on what you need based on his three items above.

Talk to a pet insurance expert today to help you develop a cost-effective and reliable plan for your pet.