Pet health insurance premiums range in price from $100 to $500 per year depending on the plan you choose. There are also monthly payment plans for pet health insurance. Pet insurance premiums do not go up per month as human coverage can, but the price you pay may depend on the age of your pet. The older your dog is, the more restrictive the insurance policy becomes, and at senior age your dog may not qualify for comprehensive coverage just like for humans. So if you want to invest in pet insurance, the time to invest it is when your puppy is still young.
Owners often surprised when illness strike their younger dogs, but the fact is that they do tend to have more accidents. Dogs may get hit by a car and emergency care can be costly but pet insurance offers the peace of mind. Pet insurance premium often depends on the size of your dog. A giant breed dog is going to cost more than a toy breed dog for obvious reasons. More medications and drugs are required for larger dog, and also the surgery time.

Before taking the leap to purchase pet health insurance, shop around and do cost comparisons according to the coverage you will receive. Many pet insurance corporations now offer pet insurance as part of the benefits you receive as an employee, so be sure to check on that before purchasing a pet insurance on your own.

Things to ask before purchase pet health insurance :

• What is the turnaround time for receiving the claim?
• What exactly is covered?
• Is holistic care covered?
• What are the deductibles?
• What are the premiums?
• Can I take my dog to any vet or only those on a list you give me?
• What are the age restrictions , if any?
• Will this pet insurance policy cover any existing or hereditary conditions in my dog?
• Will the provider pay the entire claim or only part of it?
• What is the term of the insurance policy?
• Are vaccination protocols determined by my vet or by insurance company? (very important!)
• Are annual examinations and routine care, such as vaccines, covered?