You may be wondering: How much does pet insurance cost? If you own a dog, you’ll need to make a rainy day fund. According to the American Pet Products Association, the average annual bill for dog health care in the U.S. is $426. However, this number can skyrocket if your dog suffers an accident. An unexpected cranial cruciate ligament injury, for instance, can cost upwards of $5,000. If you’re not comfortable paying for such a high-end policy, consider buying an affordable plan.
Insurers factor in many factors, including the breed of your pet. Pure breeds, for example, are more likely to have accidents than mutts. Insurers look at breeds, including the age of the animal, to determine how much it will cost to treat it. Pure breeds, on the other hand, are generally less expensive to insure than mutts, which tend to be more expensive because they are more susceptible to accidents.
Some pet owners choose a less comprehensive policy. They don’t need unlimited coverage. They can opt for accident-only plans, which are less expensive. While these plans may not cover all vet bills, they do help protect owners from expensive medical bills in case of a major accident. In such cases, they can choose a plan with a low deductible. But, be aware that premiums can be high if the pet has a pre-existing condition.
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