A pet insurance quote is no different from any other insurance quote. You may get a quote online or even from your insurance agent or even from the insurance company you are planning to buy it from. You must get insurance quotes from at least more than 2 insurance companies. This way you can find a suitable quote for your pet. Comparing different quotations is the best way to find a policy that you can afford.
There are certain factors that help determine the kind of quotation you are likely to receive. Your pet is definitely very dear to you and you would be looking for the best possible option. Take a look at few of the following factors that affect the cot of insurance that you buy for your pet.
- Health: Your pet’s health is an important factor that helps decide the amount of premiums you will have to pay for its care. If your pet has had no history of sickness before being insured, your premium rates may be low. Now, this too depends on a lot of other factors. But if your pet has had treatment for any illness, the premium rates may go up. In addition to this, if you are looking for insurance quotes online, you must consult with your insurance agent and find out if your pet’s medical conditions are covered. Any ordinary policy may not cover illnesses like feline leukemia or hip dysphasia or illnesses that are considered hereditary.
- Type of animal: Most household have dogs or cats as pets. But some of you may also have exotic pets like snakes, hamsters, rabbits, iguanas or even pigs. Whether exotic or not, all animals may fall sick and may need to see the veterinarian. If you have exotic pets you need not pay higher premiums. Since these pets are rarely let loose and have very little risk of injury due to accident or any sickness, the premiums on insurance for these kinds of exotic pets are lower. You must also know that the insurance policies that cover exotic pets may be slightly different from those that cover other pets. Insurance for exotic pets will not provide the same coverage that is provided to cover cats and dogs.
- Breed: The breed your pet belongs to carries such importance in determining the insurance quotes because certain animals carry with them certain specific health issues. E.g. purebred dogs or cats have a high cost of insurance than the mixed breeds since these mixed breeds are far heartier. Breeds like Papillion or Mastiff may also need you to pay more as insurance premiums.
Blog Category