September 27, 2022

10 Ways To Get The Best Pet Insurance Discounts And Cheaper Rates

Pet insurance rates can vary greatly, depending on your circumstances and where you live. With the right steps and preparation, you can find affordable pet insurance that provides the coverage you need and protects your furry friends in the event of an emergency or illness. Check out these 10 ways to get the best pet insurance discounts and cheaper rates to learn how to get started.

1) Use your pet for a discount

As a pet owner, you’re probably always looking for ways to save money on your furry friend. Luckily, there are a few ways you can get pet insurance discounts and cheaper rates.  Some companies offer up to 10% off for customers who use their pet as their personal mascot or name them as an executive assistant. You’ll also want to make sure that you look into any multi-pet discounts available. Finally, if you have more than one vehicle insured with the same company, it’s worth asking about using one of those vehicles as a safe haven in case of emergencies. 

2) Add your pet to your family plan

Adding your pet to your family plan is a great way to get cheaper rates on pet insurance.  The more people in your family, the lower your cost will be. You’ll also need fewer employees in order to qualify for these discounts. If you’re looking for even bigger savings, consider getting a group policy through an employer or trade association. These discounts can range from 5% – 20%.

3) Add pet rider to homeowner or renter’s insurance

If you have a pet, you may be able to add a pet rider to your homeowner’s or renter’s insurance policy. This rider will provide coverage for your pet in the event of an accident or illness. Most pet riders will cover up to $500 of veterinary expenses per year. To get the best pet insurance discounts, be sure to shop around and compare rates from different insurers.

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4) Use pet-friendly vacation accommodations

– Bring your pet along on vacation! Many hotels, resorts, and Airbnb locations are pet-friendly.

– Call ahead or check online to see if your chosen destination is pet-friendly.

– If your pet is healthy and up-to-date on vaccinations, you may be eligible for a discount on your premium.

– Some insurers offer discounts if you insure more than one pet.

– Compare rates from different insurers to make sure you’re getting the best deal.

5) Track your pet’s health with regular visits

Tracking your pet’s health is important for many reasons. It can help you catch problems early, before they become serious and expensive to treat. It can also help you get discounts on your pet insurance premiums. And, it can give you peace of mind knowing that you are doing everything you can to keep your pet healthy and happy.

6) Save by using wellness plans instead of specific incidents

If you’re looking for ways to get pet insurance discounts, one option is to ask your veterinarian about wellness plans. These plans typically cover preventive care, like vaccinations and routine check-ups, and can help you save money on your overall pet care costs. Additionally, many pet insurance companies offer discounts for things like multiple pets, spaying/neutering, and more. So be sure to ask about all the available discounts when you’re shopping for a policy.

7) Learn about preexisting conditions

One way to get a pet insurance discount is to learn about preexisting conditions. Preexisting conditions are medical conditions that your pet has before you enroll them in an insurance plan. By knowing about these conditions, you can be sure to get the best possible rate for your pet.  You can also research if your health insurance will cover any expenses or deductibles associated with care for pre-existing conditions. 

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It’s important to know that some insurers will not cover pre-existing conditions unless they existed during the open enrollment period of time, which is generally around 14 days after signing up with the company.

8) Purchase insurance as early as possible in life cycle

Purchasing insurance early on can save you a lot of money in the long run. It’s better to be safe than sorry, and if something happens to your pet, you’ll be glad you had insurance. If you have multiple pets, it might also be worth looking into multi-pet discounts. Some insurance companies will offer discounted rates for dogs who are spayed or neutered, too!

9) Know where you can get best rates

There are a few things you can do to get the best rates on pet insurance. First, make sure you shop around and compare rates from different companies. Second, ask about discounts. Many companies offer discounts for things like signing up online or having multiple pets insured with them. Third, consider a higher deductible. A higher deductible will mean lower monthly premiums, but make sure you can still afford to pay the deductible if something happens. Fourth, get quotes from insurance brokers.

10) Reduce claims payments by following doctor recommendations

If you follow your veterinarian’s treatment recommendations, you may be able to reduce the amount your pet insurance company pays out in claims. This could lead to lower premiums for you in the future.