The costs of dog insurance policies differ very much depending on different factors, among which the most important ones are his or her breed, age, and your location. Breed is an important detail for providers when determining the price of your dog’s insurance because of the specific conditions that purebred pets are more likely to develop sooner or later in their lives.
Dog Insurance: A Couple of Examples
Here are a few quotes for two different dog breeds: Yoda, a four-month-old pug and Rocky, a three-year-old neutered French bulldog. Though fictional, they are both virtually based in Phoenix, Arizona. The quotes are for accident and illness lifetime plans.
Company | Monthly Premium | Annual Cap | Deductible | Reimbursement |
Pets Best | $30.73 | Unlimited | $500 | 90% |
Healthy Paws | $42.51 | Unlimited | $250 | 80% |
Trupanion | $77.37 | Unlimited | $200 | 90% |
PetFirst | $57.36 | 10,000 | $250 | 80% |
Pet Assure | $11.95 | – | – | 25% vet discounts |
Embrace | $61.21 | 15,000 | $200 | 90% |
Company | Monthly Premium | Annual Cap | Deductible | Reimbursement |
Pets Best | $57.09 | Unlimited | $500 | 90% |
Healthy Paws | $100.06 | Unlimited | $250 | 80% |
Trupanion | $173.08 | Unlimited | $200 | 90% |
PetFirst | $71.92 | 10,000 | $250 | 80% |
Pet Assure | $11.95 | – | – | 25% vet discounts |
Embrace | $110.12 | 15,000 | $200 | 90% |
Why Does the Cost of Pet Insurance Differ?
First and foremost, the prices of pet insurance vary greatly based on the owner’s location. This is because the cost of the vet treatments largely depend on the state where you live. Treatments for dogs are often more expensive in large cities or towns because of the higher wages that vets have to pay their staff since it is more expensive to live in these places.
Then there is the issue of your dog’s age. With some providers the monthly premium will not increase as your pet gets older, but this is often the case with the majority of them. The reason for this is because older dogs are more likely to develop more serious, chronic conditions that are extremely costly to treat.
Finally, among the most important factors that influence your dog’s monthly insurance cost is the breed. This makes sense if you think about how a larger dog requires a larger amount of medications, sedation, and care than smaller dogs, or that purebred dogs are prone to genetic conditions and therefore often categorized as “risky” in terms of insurance.
One last note: other aspects that influence the price of pet insurance are gender and whether the pet has been spayed or neutered.
Best Dog Insurance of 2024
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More Dog Insurance FAQs
- Should I Get Dog Insurance?
- What Is Dog Insurance?
- What Is the Average Cost of Pet Insurance for a Dog?
- Which Dog Insurance Should I Choose?
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