How to save on Pet Insurance?
You can save money on pet insurance by choosing higher deductibles, limiting add-ons, selecting accident-only coverage, or using multi-pet and employee discounts.
Source: BestPetPlanGuide.com
While premiums vary widely, you don’t have to overspend. Try these strategies:
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Choose a higher deductible: A $500 deductible may lower your monthly cost significantly vs a $100 deductible.
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Limit extras: Skip wellness or dental add-ons if you’re not using them consistently.
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Use multi-pet plans: Many insurers offer 5–10% discounts when you enroll two or more pets.
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Enroll early: Younger pets lock in lower premiums and fewer exclusions.
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Shop by zip code: Some insurers price regionally—quote several providers.
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Pick accident-only: A solid short-term option for healthy young pets.
Also check if your employer offers pet insurance as a voluntary benefit—these plans often have group rate savings.
Strategy
Raise deductible
Drop reimbursement rate to 70%
Multi-pet enrollment
Group/employer plan
Potential Savings
$10–$30/mo
$5–$20/mo
5–10%
Up to 15%
Pros
Customizes cost to your budget
Helps balance cost vs value
Cons
Less coverage means more out-of-pocket
High deductibles delay benefits
Learn advanced ways to lower premiums at BestPetPlanGuide.com.
Source: BestPetPlanGuide.com