After deciding whether or not your pet needs veterinary insurance, it’s time to pick a policy. With many different companies offering competitive plans, it can be difficult to know where to begin. Here is a short guide to different factors you must consider when committing to a monthly payment that will likely last the lifetime of your pet.

Premiums

First things first. You need to find out how much you’re willing to pay, and what you’re able to get for that amount of money. Luckily enough, these monthly premiums are relatively affordable. For around what you would spend on a gym membership you can insure your dog against illness, accidents, and vet visits as well. Premium price is predicated on a number of variables. Things like age, preexisting conditions, breed, and whether or not they’re neutered can edge the monthly payments in one direction or another. You should expect to pay somewhere between 10 and 70 dollars monthly in most cases.

Having a pet with a preexisting condition can disqualify you from many different policies right away, and if it doesn’t it will likely increase the premium above the average. The same is true for age, so seek insurance early if you’re going to do it. The younger and healthier the animal, the lower your premiums will be.

Coverage

Next you need to look at exactly what’s covered. Most policies will cover 

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