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What is the best age to get pet insurance?

If you insure your dog when it is young and healthy, you will be able to secure cheap pet insurance.

Elena Maddox/IEM

When it comes to caring for a dog or cat, there are almost no limits to what an owner can do. While pet ownership can be a fulfilling and loving experience, it can also come with periods of stress and financial hardship. As prices of goods and services rise seemingly everywhere (even Veterinary expenses rose last year), many pet owners may find themselves looking for an edge. This can include buying off-brand products, cutting back on grooming appointments, and more.

luckily, Pet insurance Can help. In exchange for a minimal fee to a provider each month (often discount If paid annually), owners can get coverage For a wide range of illnesses and emergencies. there Multiple typesAlso, giving owners the flexibility to choose the most valuable and affordable plan for their pets

As with most financial products and services, timing around a purchase is important. Pet insurance is no different. To get the most benefit from a plan, owners should purchase a policy early. But when is the best age to get pet insurance? That is what we will answer in this article.

If you are considering pet insurance, get started now by getting a free price quote.

What is the best age to get pet insurance?

There is no ideal age for buying pet insurance. Instead, owners should strongly consider purchasing a policy as soon as possible, or the younger the pet. There are two main benefits to buying pet insurance if your dog or cat is a puppy or kitten:

low price

Pet insurance will not cheap When your pet is young and healthy. Insuring young and healthy pets is less risky than pets that are older and more vulnerable to health conditions. The lack of risk is reflected in lower monthly premiums to the owner. The longer you wait, the more likely your pet will develop a health condition that could increase the cost of coverage.


Pet insurance works differently than health insurance for people. when Predefined conditions While health insurance may not be a factor in planning, they can seriously limit (and potentially eliminate) your pet insurance options.

“A pre-existing condition is any injury or illness that occurs or presents symptoms before coverage begins or during the waiting period,” explains Spot pet insurance. “A condition is considered pre-existing whether or not it has been formally diagnosed or treated; what matters is when it occurred or symptoms first appeared.”

But, Spot notes, pet owners who fall into this category should not despair.

“However, with a plan offered by SPOT, this does not mean that the condition cannot be covered in the future if it is curable,” they explain. “An injury or illness that is curable, incurable, and free of treatment and symptoms for 180 days, excluding knee and ligament conditions, will no longer be considered pre-existing. If a knee or ligament condition occurs before the coverage becomes effective date or waiting period, Any future ones will not be covered.”

In short: If you want cheap and comprehensive pet insurance coverage, it pays to act fast. Policies will become more expensive and less comprehensive as your pet ages. So consider pet insurance now while your options are more flexible.

You can now get a free pet insurance quote on the spot in 30 seconds here.

Bottom line

So, when is the best age to get pet insurance? Again, it’s difficult to specify an exact number, although some pet insurance providers offer a guide.

“You can enroll your pet in a plan offered from Spot if your pet is 8 weeks of age or older,” the insurer Says “There is no upper age limit for coverage or enrollment.”

“You can enroll your dog or cat as early as 7 weeks of age,” the insurer said Pets are best says “Like children, young dogs and cats are at the highest risk of accidents. And because their immune systems are not mature, they are more susceptible to infectious diseases. The best pet plans have no upper age limit, so older dogs and cats benefit. Same great coverage as kittens and puppies.”

Get a quote from Pets Best now to see how much it will cost to insure your furry friend.

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