Pet Insurance Cost and What It Covers

Pet insurance is a necessary expense if you love your pets. You can never tell when your pet will get into an accident or contract an illness. Veterinary fees are expensive. An illness or injury, minor or major, can put a dent into your budget because these are often unexpected. Pet insurance cost can vary from one insurer to another and between policy types. You need to understand what drives pet insurance costs in order to make an intelligent decision as to which insurer and which policy to go with for your pet.

What's Covered Under Your Pet Insurance Coverage determines the cost of the policy. It is important to know the different coverage options:

Routine coverage. Non-injury or illness related physical exams (for example, annual medical check-up, teeth cleaning or ear cleaning), routine laboratory tests (for example, urine or blood test), vaccinations and other routine procedures constitute routine care. Not all insurers include routine care in their basic pet insurance plans. Some companies will include routine care in their plans but with an additional fee.

Veterinary services. When you talk about veterinary services this pertains to those services that are related to your pet's health issues like illnesses, injuries or accidents. Some of these services are: hospitalization, surgery, emergency visits, laboratory tests and blood work, tests such as X-rays and MRIs, and prescribed medications.

Alternative treatment options. Acupuncture, physical therapy, behavioral therapy and chiropractic care are examples of add-ons under the category of alternative treatments. An additional charge is often added to the cost of the insurance if the pet owner wants any of these alternative treatments to be covered.

Different plans. Insurers offer basic and premier plans. Limited coverage for certain injuries or illnesses is also offered for genetic conditions, pregnancies and behavioral problems. Common ailments are usually covered but not care and treatment for chronic diseases like diabetes and cancer. To have these covered, the insurer usually requires an additional fee. Pricing of insurance plans is based on what's included in the plans.

Factors That Determine Pet Insurance Cost There are certain factors that drive the cost of pet insurance plans. These are:

Breed. Some pet breeds are more prone to certain illnesses that are expensive to treat. There are also breeds that are more expensive to take care of compared to others. These may drive the up the cost of the insurance.

Age. Older pets tend to have more health issues compared to younger pets. Premiums will be higher for older pets.

Location. Veterinary services are more expensive in big, cosmopolitan cities. In New York, Chicago and Los Angeles for example, veterinary expenses are higher compared to veterinary services in smaller cities and in less cosmopolitan states.

Pets are members of the family. And as family members, they should also be insured. One reason why pet owners do not insure their pets is because pet insurance cost can be expensive. However, by doing thorough research and comparing different insurers and insurance plans, you can surely find a policy that you can afford and at the same time will be able to cover for your pet's medical expenses. Insure your pet as soon as possible. The earlier you insure your pet, the earlier your pet can be covered.

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