How Much Does Pet Insurance Cost?
The cost of pet insurance ranges from $10-$100 a month. Costs vary depending on the insurance company, the insurance plan, the age and breed of the pet and if the pet is spayed or neutered. Pet insurance costs are also affected by location, any pre-existing medical problems the pet has and if the pet is microchipped or not. In addition, the cost of pet insurance differs per species of animal; insurance costs for dogs are more than insurance costs for cats. Pet insurance is also available for rabbits, guinea pigs, pet rodents, reptiles, turtles, horses and rabbits.
The Average Cost Of Pet Insurance
The average cost of pet insurance for dogs is around $15-$20 monthly for a basic insurance plan. The average cost of insurance for dogs is around $50-$60 monthly for a premium insurance plan.
The average cost of pet insurance for cats is around $10 monthly for a basic plan. Average insurance costs for cats for a premium insurance plan are around $30 monthly. The average cost of pet insurance is less for cats than for dogs. Average insurance cost varies per location, company and insurance plan. Average pet insurance rates are also affected by the breed, age and gender of the pet. The average cost of pet insurance is cheaper for younger pets than older pets. Average pet insurance rates are less for pets that are spayed or neutered than for pets that are intact.
Cost Of Dog Insurance
The cost of pet insurance for dogs ranges from $15-$100 per month. The average cost for a basic pet insurance plan is around $15-$20 monthly. The average cost for a premium plan is around $50-$60 per month. Pet insurance rates vary per insurance company and insurance plan. The cost of dog insurance varies per breed of dog; breeds like Bulldogs, and Pugs, known for having numerous health problems, often cost more than breeds known for being very healthy. The cost of dog insurance is less if the dog is spayed or neutered and for younger dogs.
Cost Of Cat Insurance
The cost of cat insurance is less than the cost of pet insurance for dogs. The average cost of insurance for cats is around $10 for a basic plan and around $30 for a premium plan monthly. The breed of the cat affects the cost of pet insurance; breeds like Persians that are prone to numerous health issues usually have higher insurance rates than cat breeds that are not prone to health issues.
Rabbit Pet Insurance
Many pet insurance companies offer insurance for rabbits and other pets. The pet insurance cost varies per company, the species of animal, age of the animal and the insurance plan. The average cost of pet insurance for rabbits is less than the average cost of insurance for dogs or cats. Some pet insurance companies offer insurance for horses, snakes, lizards, pet rodents like hamsters, mice, rats and gerbils, birds, turtles, ferrets and hedgehogs. As pet insurance rates vary per pet, pet owners should contact several insurance companies to get pet insurance quotes on the price.
Pet Insurance Cost Comparison
Pet insurance companies vary in price depending on what they offer in their insurance plans. Insurance companies that cover hereditary health problems cost more than insurance companies that do not cover hereditary health problems cost. Pet insurance cost is more when the policy covers annual veterinarian costs for things like vaccinations, flea control and heartworm tests. Pet insurance cost for basic pet insurance plans is less than the cost of premium plans.
VPI Pet Insurance Cost
VPI offers insurance plans for both dogs and cats. Vet pet insurance offers an economical VPI Medical Plan and a comprehensive VPI Major Medical Plan. VCA pet insurance cost starts at $9 for cats and $14 for dogs for their economical VPI Medical Plan. VCA pet insurance cost starts at $12 for cats and $18 for dogs for their comprehensive VPI Major Medical Plan. The VPI Medical Plan covers accidents, illness, x-rays, surgeries and cancer. The VPI Major Medical Plan covers accidents, illness, x-rays, surgeries, cancer and hereditary health problems. VCA pet insurance pays 90% on approved claims and has a $50 deductible. Vet pet insurance rates vary per pet – pet owners should contact VPI directly to get pet insurance quotes.
AKC Pet Insurance Cost
AKC offers four different insurance plans for both dogs and cats. AKC Essential pet insurance cost starts at $24.75 monthly. AKC Essential Plus pet insurance starts at $33.75 monthly. AKC Wellness pet insurance rates start at $52.25 monthly. AKC Wellness Plus pet insurance cost starts at $62.25 monthly. AKC Essential plans have a $125 deductible per veterinarian visit, while AKC Wellness plans have a $125 deductible yearly. AKC Wellness plans not only cover accidents and illnesses, they also cover yearly checkups, vaccination, heartworm checks, dental cleaning and external parasite control. AKC pet insurance offers a 5% discount for multiple pet homes. AKC pet insurance rates vary per pet – pet owners should contact AKC directly to get pet insurance quotes.
Banfield Pet Insurance Cost
Banfield has veterinarian offices located in Petsmart stores. Banfield does not offer pet insurance. Banfield offers Optimum Wellness Plans, which helps pet owners cover the basic health care needs of their pet. Banfield does not cover emergencies and is not an insurance plan. Banfield offers five different plan levels for both cats and dogs. Enrollment in Banfield costs around $70 and then an additional $12-$30 a month or $145-$360 a year. Once a customer enrolls in a Banfield Optimum Wellness Plans, they are obligated to continue paying for the plan for the entire year even if the pet passes on.
Kroger Pet Insurance Cost
Kroger pet insurance offers insurance plans for both dogs and cats. Kroger has multiple plans to suit pet owner’s needs, ranging from accident, accident and illness, senior and comprehensive. Kroger insurance policies start around $10. Kroger pet insurance rates vary per pet – pet owners should contact Kroger directly to get quotes.
PetPlan Pet Insurance Cost
PetPlan offers three different levels of pet coverage for both dogs and cats. PetPlan pet insurance cost for their bronze plans range from $8-$80 monthly. Their silver plans range from $9-$90 monthly. Their gold plans range from $10-$100 monthly. All PetPlan insurance plans cover all injuries, accidents and illnesses, including hereditary health issues. All three PetPlan insurance plans have 80% claims reimbursement; however, they can be upgraded to 90% or 100% for an additional cost. All plans have a $200 yearly deductible. PetPlan pet insurance cost is discounted by 10% for multiple pets. PetPlan pet insurance rates vary per pet – pet owners should contact PetPlan directly to get quotes. PetPlan offers insurance for rabbits, birds, lizards, horses, snakes, rodents, turtles and ferrets.
VIP Pet Insurance Cost
Having pet insurance can save pet owners hundreds or even thousands of dollars if their pet has an accident or develops a serious illness. However, many of the basic or economical pet insurance plans have many speculations on what is covered. VIP pet insurance rates are more than basic pet insurance rates; however, VIP insurance covers far more. VIP insurance is $20-$50 more than basic pet insurance.
Pet Liability Insurance Cost
Pet liability insurance helps to protect pet owners in case their pet hurts someone or damages someone else’s property. Pet owners can be sued for thousands or even millions of dollars if their pet bites someone. The average cost of pet liability insurance is around $20-$25 per month or around $300 annually. However, pet liability insurance can be as low as around $10 a month or $100 a year to as high as $40 a month or $500 yearly. High-risk dogs like Pit Bull Terriers, Rottweilers, Dobermans, and German Shepherds tend to cost more than other dog breeds.
Pet Life Insurance Cost
Pet life insurance is different from human life insurance. When a pet dies that has pet life insurance the pet owner does not receive any type of financial payout. Pet life insurance simply helps to cover the costs of the pet’s burial or cremation. Some pet health insurance plans include pet life insurance, some do not. Pet life insurance is generally only available for cats and dogs; it is not available for rabbits, pet rodents, pet birds, horses or reptiles.
What Does Pet Insurance Cover?
What pet insurance covers varies greatly per insurance company and plan. Most pet insurance basic plans cover accidents and illness. Most premium plans cover accidents, illnesses and annual pet health maintenance like vaccinations, annual checkups, heartworm checks and flea prevention. Only some pet insurance plans cover cancer and hereditary health problems. The majority of pet health insurance plans do not cover pre-existing health problems.
Is Pet Insurance Worth It?
Whether the cost of pet insurance is worthwhile or not is a highly debated subject. Many pets will go their entire life without any serious injuries or medical problems, and many pet insurance plans have many conditions in the fine print and do not cover many of the possible medical conditions. Many pet owners will pay $2000-$6000 on pet health insurance during their pet’s life and never accumulate more than a few hundred dollars in medical expenses. However, if a pet does have an accident or develops a serious illness, a good pet insurance policy can be a lifesaver and save pet owners hundreds or even thousands of dollars. Pet insurance is good to have; however, pet owners should choose their insurance company carefully and always read all the fine print.
Pet Health Insurance Cost
Pet insurance cost ranges from $10-$100 monthly depending on the insurance company and the insurance plan. Pet insurance rates for a basic plan are around $10-$25 monthly, while rates for a premium plan are usually around $30-$60 monthly. Pet insurance cost varies per species and breed; it is also affected by the age of the pet and if they are spayed or neutered. Many pet insurance companies offer a discount for pets that are microchipped. Most pet health insurance companies offer multiple pet discounts of 5%-10%. Pet health insurance is available for dogs, cats, horses, pet rodents, reptiles, rabbits and pet birds. As pet health insurance costs vary so much per pet, pet owners are best to contact several insurance companies to get a pet insurance quote on their rates.
- 704SHARES
