Tips for Keeping Your Pet Insurance Premiums Low

The number one reason why pet owners do not buy insurance for their pets is that they think that it is expensive. We have all heard from one pet owner or another about the catastrophic premiums they must pay for their aging or injured dog or cat, which can understandably scare many pet owners away from it. The truth, however, is that anyone can find affordable insurance for pets.

Tips for Keeping Your Pet Insurance Premiums Low

Ensure Your Pet ASAP

The younger and the healthier your pet is, the lower your premiums will be. As soon as you plan on having a puppy or kitten, begin also researching your insurance options. This way you will be able to enroll your pet as soon as they come into the home, which will keep your premiums low and affordable.

Spay or Neuter Your Pet

Spaying or neutering your pet is a great idea for many reasons, from keeping your cat from wailing for a suitor to preventing unwanted pregnancies and behavioral problems in your dog. Spaying or neutering your pet can also save you a lot of money each and every year your pet is insured. This is not only because it will prevent your pet from reproducing, but also because it will decrease the chances of your pet developing long-term health issues such as:

  • Prostate cancer
  • Pyometra (infection of the uterus)
  • Ovarian cancers
  • Uterine cancers
  • Mammary cancers
  • Pet Insurance

Microchip Your Pet

A lot of pet insurance companies will give you a discount on your premium if you microchip your pet. This is because a microchip is the most effective way of reuniting a pet with its owner should it escape the yard or be stolen.

Ensure All of Your Pets

If you are living in a multi-pet household like many of us here in Australia do, then you may be able to enjoy a substantial discount on your insurance costs as long as all pets are insured with the same insurance provider. Many insurance providers will give you a discount of 10% or more for insuring multiple pets.

Choose the Right Policy

The majority of insurance companies will have more than one type of policy available to you. Lifetime coverage is the most comprehensive, but depending on your budget and the health of your pet, having such an in-depth and expensive policy may not be necessary.

If you are diligent in setting aside money for your pet, then you may only need to take out an “accidental” policy which will cover you for a certain amount of time and up to a certain amount in case an unforeseen incident affects your pet.

Keeping Your Pet Healthy

Finally, the best way to keep your premiums low is to make sure that you take good care of your pet. Feeding your pet a high-quality diet, getting out for walks and making sure they are exercised, and taking them to regular vet visits (which is covered in some insurance policies!) are all important to keep your dog or cat happy and healthy.

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