Understanding Pet Insurance Premiums

When purchasing pet insurance, it’s important to understand how it is priced and know what to expect as your pet ages. While the number of clams you submit will not impact the price of your insurance premium over time, your pets age, breed, and location will. Below we answer a few common questions about premium increases, and provide information about how we help you manage your premiums and coverage.

In the graphs below, you can see the break down of costs as pets age, and while the cost of food, toys and treats stays fairly constant throughout a pet's life, the cost of unexpected medical care can rise sharply as a pet ages.

Changing Your Policy

You can make changes to your current policy online in your Customer Account!

As your pets get older, the inherent health risks your pet faces also increases. Pet insurance is similar to human health insurance in that insurance premiums increase as people age. Pet’s age about 7 times faster than humans, so health issues can present themselves much quicker in pets than they do in human health care.

Pet insurance premiums are based on a review of all of our past claims data and change based on the age, breed, and location of your pet. While it’s difficult to approximate the price changes you may see over time, you are likely to see changes in your premium at each renewal period based on the increased risk of pets needing more medical care as they age.

No, we will never increase your pet premium based on your personal claims filing history.

The cost of owning a dog increases as they age due to the increase in medical care they need.
The cost of owning a cat increases as they age due to the unexpected vet care they are more likely to need.

Source: Unexpected and Routine Vet Care costs from Pets Best Claims data 7/1/2016 - 6/20/2017. Toys, treats, and food data from petfinder.com.

Managing Your Pets Best Premium

Pets Best understands the need for offering comprehensive pet insurance plans that protect your pet in the case of accidents, illnesses, and routine care while also helping to provide you with the financial peace of mind when faced with large unexpected vet bills. By offering plans with customizable options there are over 100 possible plans that you could choose for your pet.

You can make changes to your policy at any time using your Customer Account, or by calling one of our Pet Insurance Experts to discuss your policy options. We will help you to find a plan that meets your pet insurance needs as well as your budget.

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