10 Ways to Save on Pet Insurance


It’s a nightmare scenario to consider: your pet gets sick and needs emergency care. Your pet is your only concern until you’re confronted with an astronomically high vet bill. Unfortunately, most Americans don’t have emergency savings to dip into. Enter: pet insurance.

You can see why pet insurance would be helpful in the situation above. But the unfortunate reality of any insurance, including cat and dog insurance, is that it’s rarely that straightforward with all the fine print. So, when deciding on what pet insurance provider to get, there are a lot of factors to consider. The idea behind having pet insurance is keeping your pet safe and saving money in the long-run — but that doesn’t mean you have to overspend now. Make sure you’re getting the best deal with these 10 different ways you can save on pet insurance.

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Number 1: Do Your Research Before Deciding on a New Pet

Before you get a pet, do your research! The best way to ensure that your pet doesn’t cost you an arm and a leg is to do your due diligence accordingly. Obsessed with getting a purebred dog? Those dogs may cost extra on your premiums.

Understanding your pet’s temperament, characteristics and overall traits are paramount to creating a lifestyle that is both healthy and happy for them while allowing you to choose the right pet insurance policy for you.

Number 2: Compare Different Pet Insurances Before Making A Choice

There are quite a few factors that determine how expensive your pet insurance will be. There’s the obvious stuff that’s specific to the plan you choose (like your deductible or maximum annual reimbursement), but there’s also your pet and their attributes. Your pet’s breed, age, zip code, and medical history will all play a part in how much your monthly premium is. Make sure you get quotes from a few different pet insurance providers so you can compare and contrast.

Number 3: Avoid Unnecessary Vet Visits

It’s not always immediately obvious whether or not your pet needs to go to the vet. Most emergency vets charge fees just to see your pet, even if it turns out that nothing is wrong. It can be annoying to pay out for next to nothing, but of course you never want to regret not bringing your pet in when you really should have.

This is the perfect opportunity to talk to a vet online. Pawp, a pet insurance alternative, offers a state of the art digital vet clinic that will allow you to video call or text an expert 24/7. An online vet will be available for all your 2 am questions and concerns, saving you money when your pet’s problem may be resolved at home.

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Number 4: Experiment With High Vs. Low Deductibles

Check out a few sites and play around with the different deductible choices to see how it affects what you pay monthly. Pet insurance companies with a higher deductible will give you a lower monthly premium than those with low deductibles. It is the same for the opposite, policies with a low deductible come with a higher monthly premium. It is important to remember that the policy will not be paid-out unless the deductible is paid first, so make sure to choose a deductible amount you can afford at any given moment.

Number 5: Give Your Pet Exercise & Good Food

We all know that a daily walk will keep your pets happy, but did you know that even more regular exercise will keep pets even healthier? It has been proven that the frequency of appointments with your veterinarian is reduced when your pet gets the exercise they need to exert all of that built-up energy. Having an exercise routine will keep your pet in excellent shape, reducing your visits to your veterinarian and ultimately keeping your pet insurance premiums low.

Additionally, making sure you are feeding your pet a healthy diet can reduce the chances of medical emergencies, which can affect your pet’s overall well-being and future medical costs. You can find various diets at different price ranges and even raw food diets for your little hunter.

Number 6: Take Care Of Your Pet’s Teeth & Groom Them Regularly

Knowing how to take care of your pet’s oral hygiene will save you money at the vet for regular cleanings. Getting the right tools and products, and performing oral hygiene on your pet will reduce your monthly spend for your pet. Less frequency to the vet for your furry friend equals lower monthly costs for your pet insurance. Plus! Good oral hygiene means less chance of periodontal disease, which can affect your pet’s health.

Just like with dental care, regular grooming will improve your pet’s overall health and well-being. Regular grooming at home will reduce your costs and create a bonding experience for you and your pet, a win-win! A win for your pet and a win for saving on pet insurance!

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Number 7: Budget For Breed Specific Conditions

Every breed is different and has breed-specific conditions. For example, a golden retriever is more susceptible to hip dysplasia versus pugs are more likely to develop breathing issues. Take this into consideration before deciding on which insurance policy you want and make sure you have what you need within the policy to help with overall budgeting for the future.

If your pet’s breed is too expensive to ensure or isn’t able to be insured at all, check out a pet insurance alternative like the ones below.

Number 8: Look At Pet Insurance Alternatives

Pet insurance doesn’t make financial sense for everyone. No pet insurance providers cover pre-existing conditions and some still carry hefty monthly premiums — especially if you’re living in a big city. If you don’t think pet insurance is for you, but still don’t want to get caught out with an incredibly expensive vet bill, you might want to consider a pet insurance alternative.

For example, Pawp provides a $3,000 emergency safety net for a vet bill. It also comes with 24/7 unlimited access to their digital clinic for pets, meaning you can talk to a vet whenever you want. Pawp’s monthly premium is $19, no matter how old your pet is, where they live, what breed they are, or their pre-existing conditions.

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Number 9: Get Your Pet All Their Vaccinations

Keeping your pet up to date with vaccinations will decrease their risk of getting diseases that typically cost more to remedy than to prevent. Vaccinations are relatively cheap and give you peace of mind knowing your pet is protected. For example, a vaccination for ticks may cost $60 whereas a tick that creates havoc for your dog can lead to a bill of over $500. Check out other vet costs here.

Number 10: Get Pet Care When Your Pet is Young

Signing your pet up for a pet care policy when they are young will allow for less expensive monthly fees than signing them up at an older age. The younger the pet, the less the monthly cost will be for their policy — similar to life insurance for us humans. Older pets usually have existing conditions and overall have higher monthly premiums.

To sum it up, staying on top of your pet’s grooming, dental care, and diet are guaranteed ways to save on your pet care! plans are available to give your pet the care it needs for the life you want for your furry friend. Sign your pet up for pet care at a young age to secure lower monthly premiums and stay loyal to your pet care company to reap the benefits for both of you now and in the many happy years to come!