Why pet insurance is cheaper for mixed breeds

Pet care can be expensive. The ASPCA The report says pet owners can expect to pay about $1,400 a year for dog care and about $1,150 a year for cats — and that’s just the average.

One of the biggest expenses for pet owners is medical care. Routine care like vaccinations and preventative medicine isn’t cheap, and if your pet is seriously ill or injured, a vet visit can cost you thousands.

thanks, Pet insurance This can help with costs. Depending on your policy, it can pay you up to 90% of your pet’s medical bills, making it Good value for money.

How much you pay for pet insurance depends on a The reasons are various, including your pet’s age, medical history and your location. But one thing many owners don’t realize is that one of those factors is whether your pet is a purebred or a mixed breed. While there is a certain prestige that comes with purebred pets, mixes offer their own advantages, including lower pet insurance premiums.

Find out how much coverage you can get for your pet with a free price quote here.

Why pet insurance is cheaper for mixed breeds

Some are pet breeds Insurance is more expensive Compared to others. and between cheap dog And cat breeds Mixed breeds are insured. Here’s why.

They are genetically diverse

Mixed-breed pets have parents of different breeds, giving them a larger gene pool and making them less susceptible to breed-specific health problems.

For example, brachycephalic dogs (those with shortened snouts) tend to have respiratory problems like pugs. A purebred pug is much more likely to develop these genetically inherited risks than a pug mixed with other breeds.

Additionally, purebreds as a population are at higher risk of conditions such as cancer. For example, a study by pet insurance providers Nationwide It found that owners of purebred dogs were 1.9 times more likely to submit a cancer claim than owners of mixes.

Because mixed breeds are less likely to suffer from serious health conditions, insurers are less likely to pay for their claims. This reflects in lower insurance premiums for you.

They are a more diverse group

Purebred pets must conform to certain physical and behavioral characteristics outlined by the American Kennel Club or the Cat Fancier’s Association. This led to standardization that made it easier for pet insurance providers to determine the likelihood that a particular purebred animal would require expensive medical treatment.

Because mixes can have any number of species in their breed, they vary widely in size, behavior, and health. This makes them statistically less predictable, making it difficult for insurance companies to calculate how risky it is to insure them. Because they can’t say for sure how likely it is that a mixed-breed animal will need expensive treatment, insurance premiums for these pets may be lower.

Get a free pet insurance quote here to find out how much you could save.

Purebreds cannot be spayed or neutered

While there are plenty of mixed breeds that are non-spayed and non-neutered, there is often more pressure on purebred owners to keep their pets “intact”. Purebreds can be in high demand for breeding, and some show dog owners feel that their pets have a better chance of success if they are not spayed or neutered.

But spaying and neutering can help control pet populations as well as provide several health benefits to pets. According to ASPCASpayed and neutered pets are less prone to some types of cancer and behave better than those that are not spayed or neutered.

Intact male pets, for example, are more likely to wander away from home in search of mates, putting them at risk for traffic injuries and other accidents. They are also more prone to aggressive behavior, which can lead to fights and injuries. This higher risk leads to higher premiums.

Bottom line

There’s a lot to love about mixed-breed pets. With limitless combinations of their looks and personalities, each is a truly unique creature. The possibilities are endless, making it easy to find the right furry friend for your life. And, thanks to their overall better health and diverse characteristics, they are also less expensive to insure.

But mixed breeds are only one Ways to save on pet insurance. To further reduce your costs, shop around, compare quotes from Several providers and look discount. By taking a multi-pronged approach, you can maximize your savings while getting your pet the best coverage you can afford.