When you have a puppy or kitten or have recently adopted a cat or dog from a shelter, one of the key things you will need to look into as a new pet owner is finding insurance for them.

However, with many people struggling with the cost of living around the world, having an additional bill such as pet insurance can seem daunting, especially if you have a pet that has multiple health concerns, which can be common in certain breeds of dog and cat. So, if you are looking to get your pet insured, you are most likely going to be looking for the cheapest option that has the most coverage.

This article will help you as it seeks to explore five top tips for finding cheap pet insurance for dog and cat parents.

Compare The Providers

When it comes to insurance companies for pets, the best thing you can do as a starting point is look at comparison websites. This will allow you to enter your pet’s age and any health conditions that they have and then compile a list of the providers. Of course, there are some providers who will aim to be the most affordable insurance for dogs across the board, as well as offer the best coverage, so these will usually be at the top of the list every time. If you have any questions about any of the insurance agencies, always e-mail them.

Evaluate Coverage

Next, you need to look at exactly what it is that these insurance policies cover or don’t. There’s no point in taking out pet insurance against your dog or your cat if it doesn’t cover things like emergency care! Some insurance policies also offer you the ability to remove certain parts of the coverage or to add them to make the entire package more affordable.

Consider the Deductible

The deductible is a key part of pet insurance as, in the US, it varies from state to state.

When looking to get the most affordable pet insurance in 2023, you are going to have to delve into the deductibles and make sure you have them saved. Aim to look for the pet insurance company that has the lowest deductibles, as this will save you money should your pet require emergency treatment.

Look At Pre-Existing Condition Coverage

As mentioned before, if you have adopted an animal that has a pre-existing health condition, you may be disheartened when looking for insurance, as many insurance agencies may not offer coverage for pre-existing health conditions. This may mean that health insurance becomes more expensive.

So, always be sure when looking for pet insurance that the type you choose offers pre-existing condition coverage for the issue that your pet has, as this will ensure that the bills do not become excessively pricey in the future. If you’re struggling to find it in the small print on the website, it may be best to call the insurance agency to haggle or debate about the costs, as well as talk to your vet clinic.

Discounts?

It may sound unusual, but when you are brand new to the world of pet insurance and are looking to ensure your first cat or dog, there are many insurance agencies that will offer discounts. This could be something as simple as 20% off of all claims in the first two years of being with the insurance company. As you are aiming to reduce the price, make sure to take full advantage of these discounts.

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