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5 Factors That Affect Pet Insurance Costs

Pet insurance costs are affected by multiple factors.

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No one likes to be surprised by unexpected charges and fees when it comes time to pay bills.

But if you know in advance what to expect you can make adjustments to reduce potential costs. This is why understanding the factors that affect rates is so important. Whether you are shopping the mortgage, life insurance or Pet insuranceIt helps to be prepared.

If you’re interested in pet insurance, start by getting a free price quote so you know exactly what to expect.

5 Factors That Affect Pet Insurance Rates

Here are five factors that affect pet insurance rates.

  1. age
  2. type of animal
  3. Breeding
  4. Type of insurance
  5. location


This may seem obvious, but don’t forget the implications when applying for pet insurance. just like life insurance For humans, the older your pet is, the more you’ll pay. This is because older pets are more prone to health problems than younger pets and their aftercare will be more expensive.

That’s why it makes sense to get pet insurance now, before your pet ages and the bills increase. You can check prices with Spot Pet Insurance to see what your pet qualifies for.

type of animal

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


There are certain breeds that are prone to medical ailments. For example, a German Shepherd is more likely to need a medical procedure for hip dysplasia than other breeds. English Bulldogs, Frenchies and similar dogs are prone to brachycephalic airway obstruction syndrome (BAOS). Be aware of this when comparing pet insurance rates. If you have one of these varieties, you may pay more.

Type of insurance

like this Types of Life Insurance Varies, so do pet insurance options. If you want comprehensive insurance that covers many different inspections and treatments, you’ll likely pay more than if you bought a baseline, accident-only policy. You get what you pay for, and if you want more coverage, you’ll have a bigger bill for it.

You can now get a customized pet insurance quote.


You might think that pet insurance prices would be the same across the country. Unfortunately, that is not always the case. Those in larger metropolitan areas may pay a little more than those in rural locations. If overall vet care costs are higher in a particular city or state, it’s safe to assume that pet insurance prices will also increase there.

Bottom line

Pet insurance rates are affected by a series of factors. But that doesn’t mean it’s not worth getting — or still isn’t Reliable way to save money And Get cheap pet insurance.

Get a free price quote and start creating a plan that works for you and your furry friends Or use the table below to shop some of the top providers on the market.

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