Cost Guide

What Affects Pet Insurance Cost

Pet insurance pricing varies more than people expect. Here's what actually moves the number.

Pet's Age

Older pets typically cost more to insure than younger ones.

Breed

Certain breeds are more prone to specific health issues, which carriers factor into pricing.

Coverage Level

Accident-only, accident & illness, and wellness add-ons are priced differently.

Deductible & Reimbursement Rate

The deductible and reimbursement percentage you choose directly shapes your premium.

Learn More

Deductibles, reimbursement rates, and annual limits explained
Multi-pet discounts: what to know
Accident-only vs. accident & illness: which fits?

See What Your Options Look Like

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