How to get individual pet insurance

While every pet and animal insurance provider is unique, there are ways an owner can better secure a personalized plan.


With all the difference types of insurance currently on the market, it can become difficult to determine which are the most valuable and cost-effective.

For example, there are recommended ways to back up cheap life insurance. There are also some effective ways to optimize yours travel insuranceespecially during the holiday season.

While pet insurance isn’t one of the more traditional types of insurance, there are still steps owners can take to get their money’s worth. One way to do this is to personalize your policy for your specific cat or dog. But how do you secure personalized pet insurance? And when do you get it?

By answering a few simple questions, you can now get a free pet insurance quote.

How to get individual pet insurance

While every pet and pet insurance provider is unique, there are two main ways an owner can better protect a personalized plan:

By consulting your veterinarian

This may sound unusual, as many adults do not consult their GP before purchasing health insurance. However, pet insurance works differently.

Your veterinarian can help you tailor any insurance plan to your pet. You are already involved in the long-term care of your animal and see a multitude of similar problems every day. By consulting your veterinarian, you can tailor your pet insurance coverage more closely to what you need now – or will need in the future. That way you don’t pay for protections you probably won’t use.

Vets also know which ones races are likely to suffer from hereditary diseases. Accordingly, they can predict with some certainty which health conditions are covered.

For example, there are certain dog breeds that are predisposed to medical conditions. A German Shepherd is more likely to need medical intervention for hip dysplasia than most other dog types. English Bulldogs and other “flat-faced” dogs often suffer from Brachycephalic Airway Obstruction Syndrome (BAOS).

Your vet already knows all of this. So don’t be afraid to ask for their expertise. Your veterinarian can tell the difference between insurance coverage and the coverage that you can actually use.

You can now get a personalized pet insurance quote from Spot Pet Insurance here.

By acting early

You will never get more coverage at a cost as low as you do when your pet is young. When your dog or cat is young and healthy, they won’t be nearly as risky to insure as they will be as they get older. Accordingly, many insurance providers offer new pet owners comprehensive care at a limited cost.

“Their price is based on three factors: age, breed, and location,” explains pet insurer Fetch by The Dodo. “Younger pets tend to cost less than older ones, and since certain dog and cat breeds are prone to different medical conditions, your pet’s breed can also affect your price.”

As your pet gets older, you’ll likely pay a higher premium. But that’s just a downside. You can also be excluded from certain protective measures for reasons of age preconditions. It is important to note that pet insurance providers do not cover pre-existing conditions until cleared for a specific period (this varies by insurer).

But if you act now when your pet is young, the costs are minimal and the insurance policies and options to choose from are extensive.

Request a quote from Lemonade Pet Insurance now so you know exactly what to expect.

The final result

Pet insurance offers owners a unique opportunity to protect both their pet and their bank account. However, by making a plan with your vet and taking action when your pet is young, you can get a better return.

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