Why new pets should be insured now

Strong and healthy bulldog
Purchasing pet insurance early can save owners money.

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Pet insurance can help offset the cost of expensive veterinary care if your pet is injured or becomes ill. For an additional fee, these policies can even cover checkups, preventive care, and more.

If you recently adopted a dog or cat, it may be smart to invest in pet insurance now – before your pet gets much older. It can even save you money (and lots of it).

If you’re considering pet insurance, or just want to add more pets to the coverage you already have, contact a pet insurance professional now who can get you started with a free quote.

Why owners should get pet insurance for new pets now

Are you a proud new owner of a puppy or kitten? This is why it is wise to get pet insurance now.

Pet insurance is generally cheaper the younger an animal is. For example, with Spot, a 6-year-old, medium-sized, mixed-breed dog costs $58 a month to insure. For dogs of the same breed and size under 1 year old, it’s only $39 per month.

Purchasing pet insurance early also helps make sure your furry friend has cover before serious health problems can develop, which can be costly to treat or even disqualify your pet later on.

What happens if owners wait until the age of the animal

Waiting a few years to take out pet insurance leads to higher costs. For the 6-year-old dog mentioned above, the cost with Spot was just under $60 per month. A 10-year-old dog of the same size and breed would cost nearly $120 a month — nearly double the premium price.

Here’s a look at how prices break down by age for a medium-sized mixed-breed dog in Houston:


Under 1 year

6 years old

10 years old

Retrieval by the Dodo

$24.41 per month

$56.24 per month

$157.17 per month


$23.19 per month

$33.60 per month

Are not eligible


$38.87 per month

$58.21 per month

$117.78 per month

Keep in mind that age is only one factor in the cost of coverage. The premium also depends on the annual limit of your policy, the reimbursement percentage you choose and your deductible. All of the plans listed above have a $10,000 annual limit, an 80% repayment rate, and a $250 to $300 deductible.

A pet insurer can get you started with a free quote so you know exactly what to expect.

Why pet insurance providers may reject coverage applications

As you can see from Lemonade’s quotes above, some insurance companies have age limits and will not insure pets over a certain age. This is because older animals are at a higher risk of contracting a disease, being injured or developing a chronic condition. Usually the maximum age is 10 to 12 years old.

Plus, most providers don’t cover pre-existing conditionsso if your pet develops a recurring problem, such as allergies or arthritis, before you buy insurance, a future policy you purchase won’t cover it (or any treatment for it).

In some cases, insurance may provide coverage pre-existing conditions clarify that. However, your pet’s veterinary record should show that they have been treatment and symptom free for at least a year.

Shop around for your pet insurance policy

Pet insurance vary quite a bit in coverage options, deductibles, and prices, so always compare at least a few options to make sure you’re getting the best deal.

You should also look for providers that offer that discounts. Sometimes you can get a lower premium by paying annually, insuring multiple pets at once, or bundling your policy with other insurance plans you have.

Talk to a pet insurance professional now for more information or use the table below to compare your options.

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