What affects your pet insurance cost

A handful of factors drive most of the price difference between pets. Here is what actually matters.

By the InsuranU team Updated July 20264 min read

Two pets of the same species can have very different premiums, and it usually comes down to a short list of factors.

The biggest factors

Your annual limit, reimbursement percentage and deductible all shift the price. More generous settings cost more each month.

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How this one choice moves your premium.

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Can I lower my premium without changing my pet's coverage type?

Yes, adjusting your deductible or reimbursement percentage can meaningfully change the price.

Does my pet's breed really matter that much?

It can. Breeds prone to hip, heart or breathing issues often cost more to insure.

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