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{"@context":"https:\/\/schema.org","@type":"NewsArticle","url":"https:\/\/www.cbsnews.com\/news\/how-to-get-cheap-pet-insurance-according-to-veterinarians\/","mainEntityOfPage":{"@type":"WebPage","@id":"https:\/\/www.cbsnews.com\/news\/how-to-get-cheap-pet-insurance-according-to-veterinarians\/"},"headline":"How to get cheap pet insurance, according to veterinarians","description":"These tips will help you find the most affordable coverage offering the protection your pet deserves","articleSection":["MoneyWatch","MoneyWatch: Managing Your 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Bieber","url":"https:\/\/www.cbsnews.com\/team\/christy-bieber\/","description":"Christy Bieber has been a personal finance and legal writer since 2008. She has been published by WSJ Buy Side, Forbes Advisor, Miami Herald, CNN Underscored, Insurify, Credit Karma, USA Today, MSN Money, Yahoo Finance, Fox Business, MoneyWise, and more. She has a JD Degree from UCLA School of Law and has also served as an adjunct professor and course writer on finance, business, and legal courses.","affiliation":{"@type":"Organization","name":"CBS News"},"worksFor":[{"@type":"Organization","name":"CBS News"}],"publishingPrinciples":"https:\/\/www.cbsnews.com\/news\/cbs-news-publishing-principles\/"}],"editor":[{"@type":"Person","familyName":"Leicht","givenName":"Angelica","name":"Angelica Leicht"}],"publisher":{"@context":"https:\/\/schema.org","@type":"NewsMediaOrganization","@id":"https:\/\/www.cbsnews.com\/","name":"CBS News","foundingDate":"1927-09-18","sameAs":["https:\/\/www.cbsnews.com\/","https:\/\/www.facebook.com\/CBSNews\/","https:\/\/instagram.com\/cbsnews\/","https:\/\/twitter.com\/CBSNews","https:\/\/www.youtube.com\/CBSNews","https:\/\/en.wikipedia.org\/wiki\/CBS_News"],"logo":[{"@context":"https:\/\/schema.org","@type":"ImageObject","height":60,"width":600,"url":"https:\/\/www.cbsnews.com\/assets\/standalone\/cbsnews-logo-white-600x60.png"}],"url":"https:\/\/www.cbsnews.com\/","parentOrganization":{"@type":"Organization","name":"Paramount Global","@id":"https:\/\/www.paramount.com\/","sameAs":"https:\/\/www.paramount.com\/","legalName":"Paramount Global"},"actionableFeedbackPolicy":"https:\/\/www.cbsnews.com\/news\/cbs-news-publishing-principles\/#1d4ed2b9-ade8-4203-a4e4-115dd34c0735","correctionsPolicy":"https:\/\/www.cbsnews.com\/news\/cbs-news-publishing-principles\/#751608ae-9468-457c-9dbe-1f9400a7f428","ethicsPolicy":"https:\/\/www.cbsnews.com\/news\/cbs-news-publishing-principles\/#a0060f90-73b0-4a57-b756-ca7a7f26cc7d","Masthead":"https:\/\/www.cbsnews.com\/news\/cbs-news-publishing-principles\/#5fd9a80d-2c6c-4d38-8b1e-4144650d5963","missionCoveragePrioritiesPolicy":"https:\/\/www.cbsnews.com\/news\/cbs-news-publishing-principles\/#4ffda755-6b47-49e1-b98c-24b737906aca","ownershipFundingInfo":"https:\/\/www.paramount.com\/company-history","unnamedSourcesPolicy":"https:\/\/www.cbsnews.com\/news\/cbs-news-publishing-principles\/#de41886e-07ed-4887-ad05-4b2c79edf857","publishingPrinciples":"https:\/\/www.cbsnews.com\/news\/cbs-news-publishing-principles\/"},"articleBody":"Approximately 60 million American households own pets, according to the U.S. Census Bureau. Within those households, pets are eating up an increasing share of income. Pet expenditures totaled $57.8 billion in 2013, but the Bureau of Labor Statistics reports they increased 77.9% in eight years, hitting $102.8 billion in 2021.\u00a0While pet owners face many expenses, vet bills are often one of the biggest.\u00a0 Routine care averages $225 for dogs and $160 for cats according to the ASPCA, not including preventative medication. Expenses are much higher if there are problems, and more than 40% of pet owners report that costs prevented them from getting care.\u00a0For families concerned about covering vet bills, buying full-coverage pet insurance may be well worth the price. Insurance policies for both dogs and cats have become more popular and more widely available, with policies reimbursing pet owners for part or all of the care their animal receives. However, not all policies are created equal, with three options available including:Accident-only, which had an average annual premium of $122.19 for cats and $200.58 for dogs in 2022, according to the North American Pet Health Insurance Association.\u00a0Accident and illness, which had average annual premiums of $387.01 for cats and $640.04 for dogs.Comprehensive plans with wellness coverage, which charged average annual premiums of $613.67 for cats and $1,134.29.\u00a0If you\u0027re interested in getting any of these types of insurance, these tips will help you find the most affordable coverage offering the protection your pet deserves.\u00a0Start comparing your best pet insurance options and get coverage today.Buy coverage as soon as possibleIf you want your pet insurance to be as affordable as possible, time is of the essence.\"Obtain the insurance as early as possible before your pet has any conditions that might be considered pre-existing,\" says Dr. Ali Mason, regional director of operations at DVM and Thrive Pet Healthcare.\u00a0Dr Matthew McCarthy, a veterinarian and the founder and owner of Juniper Valley Animal Hospital also warns that any medical issues could result in your pet being considered to have a pre-existing condition, which could make it impossible to get coverage for that health issue and make buying any policy \"markedly more expensive.\"Buying a policy as soon as possible also benefits you for another reason. \"Younger dogs will have lower premiums,\" says Dr Sandi Norman, DVM and part-time General Practice Director at Noah\u0027s Animal Hospitals. \"Rates go up as your pet ages.\"If you want to be especially proactive, it may be worth researching insurance costs before choosing a pet to bring into your family. \"Certain breeds have higher rates because they inherently have more health issues such as brachycephalic breeds, like bulldogs, or boxers,\" Dr. Norman advises.\u00a0Choosing one of the cheapest dog breeds to insure or cheapest cat breeds to insure won\u0027t just help you reduce insurance premiums, but can also help you find a companion that\u0027s less likely to have expensive medical issues.Don\u0027t risk letting your pet go uninsured. Compare your policy options today.Consider an accident-only policyNot all pet insurance policies are created equal, and one surefire way to overpay is to buy the wrong kind of coverage.\"Pet owners should ask themselves what they need a pet insurance policy to cover,\" says Dr. Wendy Hauser, DVM and special advisor at ASPCA Pet Health Insurance. Dr. Hauser explains there are all-inclusive policies covering preventative or routine care as well as accidents and illnesses, but they tend to be more expensive.Paying extra for a policy that covers routine services may not be the right choice for most families. \"When looking for affordable insurance coverage, I recommend pet owners focus on emergency and illness coverage,\" Dr. Mason says.\u00a0Accident and illness policies won\u0027t pay for things like yearly exams, or vaccines \u2014 but they\u0027ll help cover larger and less predictable expenses. \"It\u0027s always best to save for routine visits and have insurance ready for unexpected emergencies or illnesses,\" according to Dr. Mason.\u00a0Dr. Norman notes that accident and illness policies are very popular because they provide a good balance between protection and affordability. \"Many pet owners chose to have coverage just for emergencies and surgeries while paying for routine wellness on their own. That will make their premium less than a full coverage policy,\" she sayd.\u00a0If an accident and illness policy still costs too much, there\u0027s also another option.\u00a0\"If the monthly premium for a comprehensive policy is out of reach, pet owners can consider accident-only plans,\" Dr. Hauser says, pointing out that some insurance is still better than none at all.\u00a0According to Dr. Hauser, accident-only policies cover things like poisonings, foreign body ingestion, lacerations, broken teeth, being attacked by other animals and hit by cars. \"They\u0027re often highly cost-effective for pet owners and help to cover the most unexpected and unpredictable health needs of pets.\"Consider a high deductible policy\u00a0When shopping around for a policy, your deductible is another factor with a big impact on premiums.\u00a0\"Pet Insurance always has a deductible, which you will be responsible for out of pocket,\" Dr. Norman explains. The deductible could be per incident or per year, but the higher it is, the lower your premiums will be.\"Talk to the insurance companies about raising deductibles for a lower monthly payment to avoid breaking the bank each month.\" Dr. Mason says.\u00a0Just be sure that you can afford to cover the deductible, as you\u0027ll have to pay it out-of-pocket when you make a claim.\u00a0Find out how much premiums can change from year to year\u00a0You don\u0027t just want your insurance to be affordable when you buy it \u2014 you\u0027ll want it to remain affordable for the long-run.Dr. Mason says that it\u0027s best to stick with the same coverage once you\u0027ve signed up. \"You don\u0027t want to bounce around to different plans throughout your pet\u0027s life since pre-existing conditions will not be covered when the plan is switched,\" she says. Because of that, she says it\u0027s important to ask the insurance companies how much premiums will change from one year to the next and what factors they consider when making that decision.\u00a0Dr. McCarthy also warns that some pet insurers have increased premiums at a rate well above the inflation rate and says that some companies have even dropped pets from coverage without justification. \u00a0You want to make certain you can trust your insurer, so always ask about their policies for premium increases and policy renewals. Research carefully to find a reputable insurer so you won\u0027t have to worry about losing coverage.\u00a0Shop around for coverageFinally, the last key step \u2014 and the most important \u2014 is to shop around carefully to find the right coverage.\"There are a lot of choices for pet insurance available,\" Dr. Hauser says. \"It pays to spend some time on provider websites to learn about policy selections.\" She suggests reviewing sample policies on the website to understand coverages and exclusions and looking at factors including:What percent of care the policy reimbursesDeductible levelsWaiting periodsAnnual and per-incident maximumsReading customer reviews of different insurers can also help you find the right company to meet your needs.\u00a0The bottom linePet insurance can make the difference between being able to afford your animal\u0027s care and not, so it\u0027s worth looking into your options. There are affordable solutions for most pet parents, and buying the right policy from a trusted company may just save your pet\u0027s life someday.\u00a0"} </script><script type="application/ld+json"> {"@context":"https:\/\/schema.org","@type":"NewsMediaOrganization","@id":"https:\/\/www.cbsnews.com\/","name":"CBS News","foundingDate":"1927-09-18","sameAs":["https:\/\/www.cbsnews.com\/","https:\/\/www.facebook.com\/CBSNews\/","https:\/\/instagram.com\/cbsnews\/","https:\/\/twitter.com\/CBSNews","https:\/\/www.youtube.com\/CBSNews","https:\/\/en.wikipedia.org\/wiki\/CBS_News"],"logo":[{"@context":"https:\/\/schema.org","@type":"ImageObject","height":60,"width":600,"url":"https:\/\/www.cbsnews.com\/assets\/standalone\/cbsnews-logo-white-600x60.png"}],"url":"https:\/\/www.cbsnews.com\/","parentOrganization":{"@type":"Organization","name":"Paramount Global","@id":"https:\/\/www.paramount.com\/","sameAs":"https:\/\/www.paramount.com\/","legalName":"Paramount 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slug--how-to-get-cheap-pet-insurance-according-to-veterinarians type--content-article"> <div class="row"> <div class="row"> <div class="col-12 "> <div class="row"> <div class="col-8 "> <article id="article-0" data-index="0" data-path="/news/how-to-get-cheap-pet-insurance-according-to-veterinarians/" class="content content-article lazyload"><div class="content__promo-image-wrapper" data-sort-time="1727447030000" data-update-time="1727447030000"></div> <div class="content__high-wrapper content__high-wrapper--is-show" id="article-header" data-sort-time="1727447030000" data-update-time="1727447030000"> <header class="content__header "><div class="content__meta--brand-font"> <p> We may receive commissions from some links to products on this page. Promotions are subject to availability and retailer terms. </p> </div> <div class="item--asset-wrapper"> <a href="https://www.cbsnews.com/moneywatch-managing-your-money?ftag=CNM-16-10abg0d" class="item--asset-label is-topic" data-invalid-url-rewritten-http="">MoneyWatch: Managing Your Money</a> </div> <h1 class="content__title ">How to get cheap pet insurance, according to veterinarians</h1> <div class="content__meta-wrapper">  <a class="content__topic-link " href="/moneywatch"> <img width="60" height="60" class="content__show-logo" alt="moneywatch" src="/assets/show/moneywatch/logo-square-32.svg" loading="lazy"></a>  <p class="content__meta content__meta--byline byline"> By <a href="https://www.cbsnews.com/team/christy-bieber/" class="byline__author__link" data-invalid-url-rewritten-http="">Christy Bieber</a> </p> <p class="content__meta content__meta--byline byline"> Edited By <a href="https://www.cbsnews.com/team/angelica-leicht/" class="byline__author__link" data-invalid-url-rewritten-http="">Angelica Leicht</a> </p> <p class="content__meta content__meta--timestamp "> <time datetime="2024-09-27T10:23:50-0400">September 27, 2024 / 10:23 AM EDT</time> / CBS News </p> <ul class="sharebar"><li class="sharebar__button-container sharebar__button-container--service "> <a href="http://www.facebook.com/sharer.php?u=https%3A%2F%2Fwww.cbsnews.com%2Fnews%2Fhow-to-get-cheap-pet-insurance-according-to-veterinarians%2F" class="sharebar__button sharebar__button--type-facebook lazyload" title="facebook" target="_blank" data-component="popups" rel="noopener"> <svg viewbox="0 0 32 32" class="sharebar__icon sharebar__icon--facebook" aria-hidden="true"><use xlink:href="#icon-social-facebook"></use></svg></a> </li> <li class="sharebar__button-container sharebar__button-container--service "> <a href="https://twitter.com/intent/tweet?related=cbsnews,cbsmoneywatch&via=cbsmoneywatch&text=How%20to%20get%20cheap%20pet%20insurance%2C%20according%20to%20veterinarians&url=https%3A%2F%2Fwww.cbsnews.com%2Fnews%2Fhow-to-get-cheap-pet-insurance-according-to-veterinarians%2F" class="sharebar__button sharebar__button--type-twitter lazyload" title="twitter" target="_blank" data-component="popups" rel="noopener"> <svg viewbox="0 0 32 32" class="sharebar__icon sharebar__icon--twitter" aria-hidden="true"><use xlink:href="#icon-social-twitter"></use></svg></a> </li> <li class="sharebar__button-container sharebar__button-container--service "> <a href="https://share.flipboard.com/bookmarklet/popout?v=2&utm_source=www.cbsnews.com&utm_medium=article-share&utm_campaign=tools&title=How%20to%20get%20cheap%20pet%20insurance%2C%20according%20to%20veterinarians&url=https%3A%2F%2Fwww.cbsnews.com%2Fnews%2Fhow-to-get-cheap-pet-insurance-according-to-veterinarians%2F" class="sharebar__button sharebar__button--type-flipboard lazyload" title="flipboard" target="_blank" data-component="popups" rel="noopener"> <svg viewbox="0 0 32 32" class="sharebar__icon sharebar__icon--flipboard" aria-hidden="true"><use xlink:href="#icon-social-flipboard"></use></svg></a> </li> </ul></div> </header></div> <section class="content__body"><figure class="embed embed--type-image is-image embed--float-none embed--size-medium"><span class="img embed__content"><img src="https://assets1.cbsnewsstatic.com/hub/i/r/2024/09/27/31518f0a-0431-418c-a4e2-484a53eba2c9/thumbnail/620x455/9010fe71cc4a0417ce491d52f30516ba/gettyimages-1368659780.jpg?v=8de240724d7f6d8b5f54f62bb158c012#" alt="Frenchie life,High angle view of french bullpurebred bulldog relaxing on bed at home " height="455" width="620" class=" lazyload" data-srcset="https://assets1.cbsnewsstatic.com/hub/i/r/2024/09/27/31518f0a-0431-418c-a4e2-484a53eba2c9/thumbnail/620x455/9010fe71cc4a0417ce491d52f30516ba/gettyimages-1368659780.jpg?v=8de240724d7f6d8b5f54f62bb158c012 1x, https://assets3.cbsnewsstatic.com/hub/i/r/2024/09/27/31518f0a-0431-418c-a4e2-484a53eba2c9/thumbnail/1240x910/56cbc81fb32f2af2e3eeab3bae2d2dc7/gettyimages-1368659780.jpg?v=8de240724d7f6d8b5f54f62bb158c012 2x" srcset="data:image/svg+xml,%3Csvg%20xmlns%3D'http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg'%20viewBox%3D'0%200%20620%20455'%2F%3E"></span> <figcaption class="embed__caption-container"><span class="embed__caption">Here's how experts say you can find the most affordable pet insurance now.</span> <span class="embed__credit"> Rox Dinulescu/Getty Images </span> </figcaption></figure><p>Approximately 60 million American households own pets, according to the <a href="https://www.census.gov/library/stories/2020/02/spending-on-pet-care-services-doubled-in-last-decade.html" target="_blank" rel="nofollow noopener">U.S. Census Bureau</a>. Within those households, pets are eating up an increasing share of income. Pet expenditures totaled $57.8 billion in 2013, but the <a href="https://www.bls.gov/opub/btn/volume-12/we-love-our-pets-and-our-spending-proves-it-1.htm" target="_blank" rel="nofollow noopener">Bureau of Labor Statistics</a> reports they increased 77.9% in eight years, hitting $102.8 billion in 2021. </p><p>While pet owners face many expenses, <span class="link"><a href="https://www.cbsnews.com/news/how-much-of-your-vet-bill-does-pet-insurance-cover/" target="_blank" data-invalid-url-rewritten-http="">vet bills</a></span> are often one of the biggest.  Routine care averages $225 for dogs and $160 for cats according to the <a href="https://www.aspca.org/pet-care/general-pet-care/cutting-pet-care-costs" target="_blank" rel="nofollow noopener">ASPCA</a>, not including preventative medication. Expenses are much higher if there are problems, and more than <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC7143178/" target="_blank" rel="nofollow noopener">40% of pet owners</a> report that costs prevented them from getting care. </p><p>For families concerned about covering <span class="link"><a href="https://www.cbsnews.com/news/how-much-of-your-vet-bill-does-pet-insurance-cover/" target="_blank" data-invalid-url-rewritten-http="">vet bills</a></span>, buying <span class="link"><a href="https://www.cbsnews.com/news/how-much-is-full-coverage-pet-insurance/" target="_blank" data-invalid-url-rewritten-http="">full-coverage pet insurance</a></span> may be <span class="link"><a href="https://www.cbsnews.com/news/is-pet-insurance-worth-it/" target="_blank" data-invalid-url-rewritten-http="">well worth the price</a></span>. Insurance policies for both <span class="link"><a href="https://www.cbsnews.com/news/pet-insurance-for-dogs-what-to-know/" target="_blank" data-invalid-url-rewritten-http="">dogs</a></span> and <span class="link"><a href="https://www.cbsnews.com/news/pet-insurance-for-cats-what-to-know/" target="_blank" data-invalid-url-rewritten-http="">cats</a></span> have become more popular and more widely available, with policies reimbursing pet owners for part or all of the care their animal receives. However, not all policies are created equal, with three options available including:</p><ul><li><strong>Accident-only, </strong>which had an average annual premium of $122.19 for cats and $200.58 for dogs in 2022, according to the <a href="https://naphia.org/wp-content/uploads/2023/05/NAPHIA-SOI2023-Report-Highlights_Public-May9.pdf" target="_blank" rel="nofollow noopener">North American Pet Health Insurance Association</a>. </li><li><strong>Accident and illness,</strong> which had average annual premiums of $387.01 for cats and $640.04 for dogs.</li><li><strong>Comprehensive plans with wellness coverage,</strong> which charged average annual premiums of $613.67 for cats and $1,134.29. </li></ul><p>If you're interested in getting any of these types of insurance, these tips will help you find the most affordable coverage offering the protection your pet deserves. </p><p><a href="https://clicks.trx-hub.com/xid/cbsint_a10ef_cbsnews?q=https%3A%2F%2Fsecure.money.com%2Fpr%2Fz72eeb22e823%3Fs1%3Dhttps%253A%252F%252Fwww.cbsnews.com%252Fnews%252Fhow-to-get-cheap-pet-insurance-according-to-veterinarians&p=https%3A%2F%2Fwww.cbsnews.com%2Fnews%2Fhow-to-get-cheap-pet-insurance-according-to-veterinarians%2F&event_type=click&article_id=f95f7aff-233e-417e-9382-596cca1cc97c" target="_blank" rel="nofollow, sponsored, noopener">Start comparing your best pet insurance options and get coverage today</a>.</p><div><div class="ca-widget" data-token="lba12ac59833" data-s1="https://www.cbsnews.com/news/how-to-get-cheap-pet-insurance-according-to-veterinarians"></div><script async defer src="https://secure.money.com/embeds/embedder.js?v=1"></script></div><h2><strong>Buy coverage as soon as possible</strong></h2><p>If you want your pet insurance to be as affordable as possible, time is of the essence.</p> <div id="mpu-plus-outstream-middle" data-ad="mpu-plus-outstream-middle" class="ad-mpu-plus-outstream-middle ad-wrapper " data-ad-unit='"mpu-plus-outstream-middle"'> </div> <p>"Obtain the insurance as early as possible before your pet has any conditions that might be considered pre-existing," says Dr. Ali Mason, regional director of operations at DVM and Thrive Pet Healthcare. </p><p>Dr Matthew McCarthy, a veterinarian and the founder and owner of Juniper Valley Animal Hospital also warns that any medical issues could result in your pet being considered to have a <span class="link"><a href="https://www.cbsnews.com/news/pet-insurance-and-pre-existing-conditions/" target="_blank" data-invalid-url-rewritten-http="">pre-existing condition</a></span>, which could make it impossible to get coverage for that health issue and make buying any policy "markedly more expensive."</p><p>Buying a policy as soon as possible also benefits you for another reason. "Younger dogs will have lower premiums," says Dr Sandi Norman, DVM and part-time General Practice Director at Noah's Animal Hospitals. "Rates go up as your pet ages."</p><p>If you want to be especially proactive, it may be worth researching insurance costs before choosing a pet to bring into your family. "Certain breeds have higher rates because they inherently have more health issues such as brachycephalic breeds, like bulldogs, or boxers," Dr. Norman advises. </p> <div id="leader-plus-inc3" data-ad="leader-plus-inc" class="ad-leader-plus-inc ad-wrapper " data-ad-unit='["leader-plus-inc",3]'> </div> <p>Choosing one of the <span class="link"><a href="https://www.cbsnews.com/news/cheapest-dog-breeds-to-insure/" target="_blank" data-invalid-url-rewritten-http="">cheapest dog breeds</a></span> to insure or <span class="link"><a href="https://www.cbsnews.com/news/cheapest-cat-breeds-to-insure/" target="_blank" data-invalid-url-rewritten-http="">cheapest cat breeds to insure</a></span> won't just help you reduce insurance premiums, but can also help you find a companion that's less likely to have expensive medical issues.</p><p>Don't risk letting your pet go uninsured. <a href="https://secure.money.com/pr/jc69edabf0b8?s1=https%3A%2F%2Fwww.cbsnews.com%2Fnews%2Fhow-to-get-cheap-pet-insurance-according-to-veterinarians" target="_blank" rel="noopener">Compare your policy options today</a>.</p><div><div class="ca-widget" data-token="rc687f9afcdf" data-s1="https://www.cbsnews.com/news/how-to-get-cheap-pet-insurance-according-to-veterinarians"></div><script async defer src="https://secure.money.com/embeds/embedder.js?v=1"></script></div><h2><strong>Consider an accident-only policy</strong></h2><p>Not all pet insurance policies are created equal, and one surefire way to overpay is to buy the wrong kind of coverage.</p><p>"Pet owners should ask themselves what they need a pet insurance policy to cover," says Dr. Wendy Hauser, DVM and special advisor at ASPCA Pet Health Insurance. Dr. Hauser explains there are all-inclusive policies covering preventative or routine care as well as accidents and illnesses, but they tend to be more expensive.</p><p>Paying extra for a policy that covers routine services may not be the right choice for most families. "When looking for affordable insurance coverage, I recommend pet owners focus on emergency and illness coverage," Dr. Mason says. </p><p>Accident and illness policies won't pay for things like yearly exams, or vaccines — but they'll help cover larger and less predictable expenses. "It's always best to save for routine visits and have insurance ready for unexpected emergencies or illnesses," according to Dr. Mason. </p><p>Dr. Norman notes that accident and illness policies are very popular because they provide a good balance between protection and affordability. "Many pet owners chose to have coverage just for emergencies and surgeries while paying for routine wellness on their own. That will make their premium less than a full coverage policy," she sayd. </p> <div id="leader-plus-inc4" data-ad="leader-plus-inc" class="ad-leader-plus-inc ad-wrapper " data-ad-unit='["leader-plus-inc",4]'> </div> <p>If an accident and illness policy still costs too much, there's also another option. </p><p>"If the monthly premium for a comprehensive policy is out of reach, pet owners can consider accident-only plans," Dr. Hauser says, pointing out that some insurance is still better than none at all. </p><p>According to Dr. Hauser, accident-only policies cover things like poisonings, foreign body ingestion, lacerations, broken teeth, being attacked by other animals and hit by cars. "They're often highly cost-effective for pet owners and help to cover the most unexpected and unpredictable health needs of pets."</p><h2><strong>Consider a high deductible policy </strong></h2><p>When shopping around for a policy, your deductible is another factor with a big impact on premiums. </p><p>"Pet Insurance always has a deductible, which you will be responsible for out of pocket," Dr. Norman explains. The deductible could be per incident or per year, but the higher it is, the lower your premiums will be.</p><p>"Talk to the insurance companies about raising deductibles for a lower monthly payment to avoid breaking the bank each month." Dr. Mason says. </p><p>Just be sure that you can afford to cover the deductible, as you'll have to pay it out-of-pocket when you make a claim. </p> <div id="leader-plus-inc5" data-ad="leader-plus-inc" class="ad-leader-plus-inc ad-wrapper " data-ad-unit='["leader-plus-inc",5]'> </div> <h2><strong>Find out how much premiums can change from year to year </strong></h2><p>You don't just want your insurance to be affordable when you buy it — you'll want it to remain affordable for the long-run.</p><p>Dr. Mason says that it's best to stick with the same coverage once you've signed up. "You don't want to bounce around to different plans throughout your pet's life since pre-existing conditions will not be covered when the plan is switched," she says. Because of that, she says it's important to ask the insurance companies how much premiums will change from one year to the next and what factors they consider when making that decision. </p><p>Dr. McCarthy also warns that some pet insurers have increased premiums at a rate well above the inflation rate and says that some companies have even dropped pets from coverage without justification.  </p><p>You want to make certain you can trust your insurer, so always ask about their policies for premium increases and policy renewals. Research carefully to find a reputable insurer so you won't have to worry about losing coverage. </p><h2><strong>Shop around for coverage</strong></h2><p>Finally, the last key step — and the most important — is to shop around carefully to find the right coverage.</p><p>"There are a lot of choices for pet insurance available," Dr. Hauser says. "It pays to spend some time on provider websites to learn about policy selections." She suggests reviewing sample policies on the website to understand coverages and exclusions and looking at factors including:</p><ul><li>What percent of care the policy reimburses</li><li>Deductible levels</li><li>Waiting periods</li><li>Annual and per-incident maximums</li></ul><p>Reading customer reviews of different insurers can also help you find the right company to meet your needs. </p> <div id="leader-plus-inc6" data-ad="leader-plus-inc" class="ad-leader-plus-inc ad-wrapper " data-ad-unit='["leader-plus-inc",6]'> </div> <h2><strong>The bottom line</strong></h2><p>Pet insurance can make the difference between being able to afford your animal's care and not, so it's worth looking into your options. There are affordable solutions for most pet parents, and buying the right policy from a trusted company may just save your pet's life someday. </p>  <div class="content-author"> <a href="https://www.cbsnews.com/team/christy-bieber/" class="content-author__name" data-invalid-url-rewritten-http="">Christy Bieber</a> <div class="content-author__bio"> <div class="content-author__full-information"> <p class="content-author__text">Christy Bieber has been a personal finance and legal writer since 2008. She has been published by WSJ Buy Side, Forbes Advisor, Miami Herald, CNN Underscored, Insurify, Credit Karma, USA Today, MSN Money, Yahoo Finance, Fox Business, MoneyWise, and more.</p> <div class="content-author__social-links-container"> </div> </div> </div> </div> </section><footer class="content__footer"><p class="content__copyright"> <small>© 2024 CBS Interactive Inc. 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