At What Age Should You Get Pet Insurance


At what age should you get pet insurance? Well, that depends on the situation, but obviously, it's best to get it as soon as possible. Young animals are more likely to be free of major health problems and get better coverage for less money when they start out. But there are some situations where older pets may also benefit from pet insurance! So how do you know whether or not pet insurance is right for your furry friend? Let's investigate.

At what age should you get pet insurance

Some people worry about getting pet insurance at the wrong age. Others don't want to get it because they are afraid their pet will die before they can use it. There is no right or wrong time to get pet insurance and whether or not you should depends on your budget, what sort of coverage you need, and how much money you want to spend upfront.

When deciding whether or not it's worth getting pet insurance, consider these things:

  • The age of your pet - Younger pets are more likely than older ones to need medical care during their lives because they're still growing. However, young puppies may be less likely than older dogs because they've had fewer chances yet for accidents (or other causes).

  • What kind of coverage do I need? - Certain types of policies have different levels of benefits so it's important that you know what type works best for your lifestyle and financial situation before signing up for one specific brand over another one just because its marketing pitch seems more appealing at first glance!

The sooner the better

The younger your pet is, the cheaper the insurance. This is because it's less likely that he or she will develop a serious illness or injury. The older your pet is, the more expensive the insurance. More risks are involved if your dog has had health problems in the past (and who hasn't?), and you may need to pay for many surgeries in order to keep him healthy for years to come. It's also important to find out what kinds of discounts are available for senior pets—as well as those with diabetes or joint pain—because these can save you money on coverage over time.

How to find the best pet insurance for your pet

As you search for the best pet insurance, here are some things to keep in mind:

  • Look for a provider with a good reputation. This can be an indication that they're doing things right and offering quality service.

  • Look for a provider that offers insurance for a wide range of pet breeds. If they don't cover your specific breed or category of pet, then they may not have enough experience or resources to properly provide all the services you need.

  • Look for a provider that offers insurance options available at all ages. Some providers only offer insurance once your animal reaches adulthood (usually around age 2), but many companies will cover younger pets as well—depending on their individual situations, sometimes even down to newborn puppies!

  • Look for a provider who has some flexibility when it comes to pre-existing conditions like allergies or certain types of cancer (e.g., hemangiosarcoma). Some insurers may still be able to help even if there's something wrong with your animal from birth; others may offer coverage only after certain testing requirements have been met first

How much does pet insurance cost?

Pet insurance plans can vary widely in cost, so it's important to do your research and find the plan that best suits your needs. Most pet insurance plans are more expensive than health insurance for humans, but according to the American Pet Products Association (APPA), pet owners spent $63.75 billion on their pets in 2016.

For some people, this expense is worth it because they wouldn't be able to afford veterinary care if not for their pet's coverage. But there are many other ways you can save money on your furry friend's medical bills—here are just a few:

  • Visit low-cost clinics like Banfield or VCA instead of high-end specialty hospitals like Blue Pearl or Colorado State University Veterinary Teaching Hospital. You're likely to get better prices at smaller facilities anyway!

  • Consider getting preventative care instead of waiting until after an emergency situation occurs; this could save you hundreds or thousands of dollars over time!

  • Choose an older dog over a puppy because puppies tend not to live as long as adult dogs do (and those vet bills add up quickly).

Cost of pet insurance in 2022

The cost of pet insurance varies depending on the type of pet, the cost of care, and the type of insurance. For example, if your pet needs joint supplements or a prescription diet, it's likely you'll pay more per month than someone whose cat eats rice and tuna.

Pet insurance is available through breeders or veterinarians and can be purchased directly from those businesses or through third-party agents. The price also depends on whether you want coverage for routine care like vaccines or annual exams (typically covered by most plans) or emergency visits only (included in some plans). According to the American Pet Products Association (APPA), the average monthly premium for all types of dog owners was $34 in 2017; horse owners paid an average of $67 per month while cat owners paid an average of $30 per month.*

Pet insurance can be expensive, but it's often worth it.

Pet insurance can be expensive, but it's often worth it. To get the best deal, do some research and compare different plans.

  • Get multiple policies: If you get a discount for having more than one pet insured with the same company, that could save you money in the long run.

  • Get a policy that covers multiple pets: Many pet insurance companies offer discounts for having multiple pets insured under one policy, so if you're considering getting more than one animal anyway (or are thinking about adopting a second), this might be an option worth looking into.

  • Get a policy that covers multiple pet types: Depending on what kinds of animals you have and what kind of coverage they need—for instance, cats versus dogs—you may qualify for a greater discount if your pet(s) fall into certain categories (such as senior-citizen status).


Pet insurance costs vary by a number of factors, including the age of your pet, its breed, and medical history. Pets that are older or have pre-existing conditions typically cost more to insure than younger pets that are healthy. Because of this, you may want to wait until your pet is at least six months old before you apply for insurance coverage.

Pet insurance premiums can also be higher if your pet has been diagnosed with an illness or condition like diabetes or arthritis, so it's best to enroll as soon as possible after adopting them from their rescue organization because these pre-existing conditions could cause higher rates in the future. So what's the best time to get a policy? The answer may surprise you: the sooner you do it, the cheaper it will be for both you and your wallet!

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