As all pet parents know, pups love to play. So having pet insurance for your furry friend is one of the best ways that you can protect them from any unexpected accidents that may come up.
If you are a new dog owner or have never insured your four-legged friend, there are a few tips and tricks that can help you select the best insurance policy for your pup.
Whether you have a larger breed of dog or a smaller one, knowing how your pet’s breed can impact your pet insurance premium is critical. Read on to discover the best insurance policy based on your dog’s breed.
Read Reviews and Compare Costs
One of the best ways to choose the right pet insurance for your pup is to read reviews and compare costs. You can look at the ratings for some of the top dog insurance companies and read what other pet parents have to say about each provider.
This will help you to select the best policy for your dog that also fits into your family’s budget. Now, let’s explore how your dog’s breed can affect how much you pay for pet insurance.
Purebred and Mixed Breeds
As we all know, when it comes to insurance, there usually isn’t one amount that will cover every pet. For example, cats often cost less to insure than dogs, as they typically require fewer trips to the vet. Regarding dogs, several factors may influence pet insurance costs, such as your dog’s age, breed, size, and medical history.
Mixed breed dogs typically cost less to insure, as they are less likely to develop any genetic conditions. On the other hand, larger-sized purebred dogs are known for having more medical problems, such as hip dysplasia and other orthopedic issues.
Some purebred dogs also suffer from heart issues or other problems that are passed on from generation to generation. Setting size aside, certain breed traits can also lead to health concerns later. For instance, full-breed French Bulldogs are more prone to heart disease than most other breeds, so it is common for pet insurance companies across the board to charge a higher premium for this type of breed.
Some dog breeds simply cost more to care for, which is why you may see different prices for policies. However, it’s also important to note that despite your pet’s breed or size, every dog is unique and may or may not develop severe health conditions.
Smaller Breeds
If you are a pet parent to a small breed of dogs, such as a Chihuahua or a Yorkshire Terrier, you are in luck, as your insurance premium will most likely be on the lower end of the scale.
Small breeds of dogs are typically the most inexpensive to insure, as they usually have fewer health issues during their life. However, pet insurance for your tiny pup will help ensure that they are always protected should an emergency arise.
Larger Breeds
You will probably have to pay a higher price for your pet’s insurance plan if you have a larger pup.
Most providers charge higher premiums for large breeds and older dogs. Pet insurance companies do this because larger breeds of dogs tend to have more health issues as they age, especially dealing with their bones, ligaments, and joints due to having a heavier weight.
For instance, Great Danes, Dalmations, and Bernese Mountain Dogs are some of the most expensive breeds to insure, as these dogs are usually more prone to health issues due to their sheer size and breed specifics.
Unfortunately, some larger breed dogs also have a reduced life expectancy, which can cause them to need more vet visits and procedures done earlier.
Gender
In addition to your dog’s breed, your dog’s gender may also affect the cost of your pet insurance policy. Most providers charge higher premiums to insure male dogs, as they are more prone to get in fights or be injured, thus needing more care. In addition, female dogs typically recover from diseases better than their male counterparts, which also leads to a lower pet insurance cost.
Final Remarks
We hope you have enjoyed learning how your dog’s breed may affect their pet insurance policy. Make sure you research your dog’s breed and read reviews from other pet parents before you choose your pet’s insurance plan. Remember that whether you have a large breed of dog or a smaller one, most pet insurance providers will have a plan to help you take care of and protect your pup.
