Cheap pet insurance is not easy to find, but if you spend some time and pay attention to the available offers, you can get a good deal and have your pet covered for a low price. Pets don’t necessarily require insurance, but the insurance can cover for a number of procedures and medications, so it can save you some money in the long run.
Do Research
The first step to find a cheap pet insurance is to do some research and find out about the prices of regular pet insurances in your country.
The cost of a pet insurance will depend firstly on the type of pet you have; typically, dog insurance is more expensive than feline insurance.
You can research online; there are cost estimators that will give you immediate results.
Local directories also contain the numbers of various pet insurance companies, so give them a call. Even regular insurance companies may handle pet insurance, so you can check with your medical insurance provider.
Factors Influencing the Cost of Insurance
The cost of insurance may depend on the type of pet you have, but will also be influenced by other factors:
- The age of the pet; younger pets will require less medical assistance, so you will have to pay less for insurance
- The medical condition of the pet; if the pet is affected by a chronic condition, the insurance plans will be expensive
- The history of your pet and his parents; this may not be required by all insurance providers, but some may ask these details
You may find insurance policies for your pet that are as low as $10 per month. However, make sure that these policies cover all the medical needs of your pet and are accepted by your vet’s clinic.
Find Cheap Insurance
When you perform your research for cheap insurance, make a list with the prices you find and arrange these from the cheapest to the most expensive. Make sure to note a few basics about each insurance plan you have in your list.
You should eliminate the insurance plans that are not accredited. You may end up paying both for the insurance and the medical costs of your pet.
Call your vet and ask about the insurance plans that they accept at the vet clinic. Eliminate the plans that are not accepted.
Check what illnesses the plans cover. If your dog is likely to suffer from infections of the urinary tract, make sure that the treatment for these is covered.
You should also find out the payment schedule; you may be better off paying a monthly rate, than pay all the money per year at once.
Have your list, but also ask other pet owners you meet when you walk your dog in the park or when training your pet.
Decide on an insurance plan that is cheap, but also covers for the basic needs of your pet.