Do pet insurance premiums go up with age?

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asked Oct 24, 2022 in Other- Pets by farsrfun (5,200 points)
Do pet insurance premiums go up with age?

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answered Nov 20, 2022 by Vapirusky (46,460 points)
Pet insurance premiums do sometimes go up with age but the pet insurance premiums usually do not increase until your pet reaches older age.

As the pet ages they are more prone to medical conditions than those of younger age and buying pet insurance for an older pet will usually cost more than buying pet insurance for a younger pet.

Pet Insurance companies know about pre existing conditions by looking at and reviewing your pets medical records.

In order to get pet insurance the pet insurance company will need your pets medical records to check for the health of the pet you're insuring.

If the pet has a pre existing condition they will usually be insured but not for that pre existing condition.

The best and least expensive pet insurance is through Embrace Pet Insurance.

You can also get pet insurance though your insurance company and save money by bundling the pet insurance with auto insurance, home insurance, renters insurance etc.

Embrace Insurance and Nationwide Insurance as well as PetFirst have the cheapest Pet Insurance.

When your pet dies the pet insurance will sometimes pay out after your pet dies or you can transfer the pet insurance to another pet.

Some pet insurance will also pay out for euthanasia but not cremation or some will pay both.

You can get pet insurance after diagnosis.

However the pet insurance will not cover any costs for conditions that existed before the pet insurance was bought but the pet insurance can still be used and will cover any future conditions that your pet gets.

It is worth it to get pet insurance if you take your pet to the vet or if you foresee any health issues with your pet.

Also if your pet happens to need medical care or an emergency pet visit such as surgery, illness etc then having pet insurance can be worth it.

The best pet insurances are healthypaws pet insurance.

Nationwide pet Insurance.

Trupanion Pet Insurance.

Embrace Pet Insurace.

Pet First Pet Insurance.

Homeowners insurance will cover dog bites if you get a dog bite insurance policy along with your homeowners insurance.

Homeowners Insurance does cover dog damage to someone else's home if your dog damages someone else's home or bites someone.

However if your own dog damages your own property or bites you or your kids then your homeowners insurance does not cover that cost.

Most Homeowners insurance do not ban a specific dog breed but if the dog has a history of biting or injuring people then they may not allow the dog on the insurance policy.

Common Dog Breeds that some homeowners insurance companies may not allow are.

Pit Bulls.


American Bull Dog.

American Pit Bull Terrier.

State Farm Insurance will usually cover Pit Bulls and will offer homeowners insurance even when you have a pit bull.

State Farm Insurance and most other insurance companies considers each dog's personal bite history to assess its insurance risk rather than having a rule that impacts every dog from a specific breed.

State Farm offers pit bull owners access to homeowners and renters insurance policies.

State Farm does not have any dog breed restrictions.

However if you do have a dog such as a Pit Bull or other dog that can seriously harm someone with their bite or even kill them then they may not want to sell you an insurance policy.

Some insurance companies do have dog breed restrictions though.

The cost of a dog bite insurance policy ranges from $10.00 per month to as much as $20.00 to $30.00 per month depending on the insurance company.

The best pet insurance is healthypaws insurance.

A list of other good pet insurance companies are.

ASPCA - Best for Hereditary and Congenital Conditions.
Spot - Best for Unlimited Coverage.
Pumpkin - Best for Puppies and Kittens.
Figo - Best for Reimbursement Options.
Embrace - Best for Older Pets.

Some pet insurance companies do cover routine vet visits.

One of the pet insurance companies that does cover a pets routine vets visit is akcpetinsurance

With the wellness pet health insurance plan the routine vet visits are covered.

Pet insurance is a type of health insurance for pets that is bought by the pets owner to help cover cost of vet treatments for the pet.

Pet Insurance is like health insurance for humans but instead it's for pets.

Maintaining your pet's health can get pretty expensive these days, so a pet insurance helps to cover for your cat, dog or any other pet for veterinary expenses when they are sick or are facing any kind of medical issues - both minor and major ones.

Pet Insurance does increase with a pets age.

As the older the pet gets the more prone the pet is to health issues so the pet insurance will increase in cost as the pet gets older.

Pet Insurance does not cover pre existing conditions.

Pet Insurance only covers any conditions the dog or other pet gets after the pet insurance has been in effect.

Pet Insurance covers vet treatments for dogs and does not cover dog bites to humans.

Although if another dog bit your dog then your pet health insurance should cover the cost of treatment for the dog who got bitten.

Typically though for humans getting bitten by your dog the pets homeowners insurance usually covers the cost of the dog bite.

You should get pet health insurance if you take your dog to the vet or foresee any future health issues with your pet.

Although you have to pay out of pocket first for the pets vet visit and vet treatment you do get reimbursed and get your money back from the pet insurance company.

So pet insurance can be worth it.

There is a waiting period for pet insurance to kick in after you get it.

Once you buy pet insurance it cannot be used right away as you have to wait between 3 months to 6 months after buying the pet insurance policy before you can use the pet insurance and before it will pay out.

You can get pet health insurance.

There are several pet health insurance companies out there and even your own homeowners insurance company or auto insurance company will usually offer and sell pet health insurance.

Other pet health insurance can take a few months or so to kick in and pet health insurance does not cover any pre existing conditions.

Another thing is that pet health insurance works in the way that you pay out of pocket to the vet and then the pet health insurance pays you back.

If you want to ensure you have enough money to care for your dog you should save at least $1,000.00 per year or more.

Buying a dog costs around $500.00 to $1,000.00 although some dogs cost less to buy and of course you can adopt dogs at a cheaper cost.

Vet visits at least once per year can cost $100.00 to $250.00 and then add any costs for vaccines or other health issues that may need fixed.

The cost of a vet check up for a dog ranges from $50.00 to $250.00

Routine vet check ups for dogs are usually around $100.00 to $150.00 for the vet visit and the check up although the costs can vary.

A routine checkup can cost between $50.00 to $250.00 and most general veterinary care costs less than $500.00

Some unexpected health problems can cost many thousands of dollars to treat depending on the condition.

Ongoing costs like those associated with cancer treatments can cost even more.

The typical cost of X-rays in dogs is about $150.00 to $250.00

The procedure itself is relatively inexpensive, minimally invasive, and painless for your pet, but it requires the animal to remain still for an extended period of time.

A dog should have a routine vet check up at least once per year.

In general, all dogs should have a complete physical check-up at least once per year.

Think of it as routine maintenance for your dog.

These “wellness exams” give you a chance to track your dog's growth and development, and discuss any concerns with your vet.

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