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Pet insurance, much like our own health insurance can be both confusing and useful at the same time. There are many questions that a pet owner needs to answer when considering the purchase of pet insurance and, if so, which one to choose.
First, should I buy insurance for my pet? HINT: In most cases the answer is going to be yes.
Like our own health insurance, it is somewhat of a gamble that we can’t afford to refuse. Like our own insurance, pet insurance gives peace of mind to pet owners and protects against unexpected veterinary costs. Chances are that if you are a responsible pet owner that cares about the health of your pet and makes regular visits to the veterinarian of your choice, you will use that insurance. One out of three pets will need emergency medical treatment in their lifetime. But according to several pet insurance companies, the average amount most people can afford for unexpected veterinary treatment at any given moment is $1500. That sounds like a lot but that amount will not go far if your pet is in an accident or develops a serious illness. Medical advancements in veterinary medicine are in step with human medicine and many veterinarians have made the investments necessary to provide state of the art care with sophisticated equipment and advanced training. If you have ever had the unfortunate need to take your pet to an emergency clinic, you will know that the bill can get in to the several thousands of dollars very quickly.
How much does pet insurance cost?
The average monthly premium in 2022 was $29 for a cat and $47 for a dog. It is important to recognize that there’s a wide range in pricing (from $12 to $100/month depending on some ofthe factors listed below.
 Size (height and weight)
 Breed
 Age (compared to its typical life expectancy)
 Location (yes, California is more expensive than many states)
 Indoor and outdoor risks in your area (we all love our valley, but it does offer risks)
 Term and length of policy
 Reimbursement rate
 Deductible
 Payout Limit
 Plan Type
 Policy provider
You can save on pet insurance by enrolling when your pets are young. Most people buy pet insurance within 6 months after adopting. Just like in human medicine, you can keep your premiums lower by selecting a high deductible, a lower reimbursement rate or a lower,coverage limit.
How do I select a pet insurance company?
Since the company Veterinary Pet Insurance (VPI) was formed in California by a group of
veterinarians in the late 1970s many companies have come and gone. VPI was bought by
Nationwide several years ago and is still one of the leaders in the industry but there are many reputable companies in the marketplace now. Pet owners can get more information and compare quotes from several of the major companies at pawlicy.com.

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