The answer to this question is not an easy one. Pet insurance, like most insurance, have many variables that could make the price higher or lower.
Here is a list of the most important factors that affect the price of pet insurance premiums:
The company itself: The company you choose is definitely a factor in the price of your premiums. As with everything else, whether it's a hamburger or an airline ticket, the company you choose will be a determining factor on the price of premiums.
The type of animal: Cats are generally cheaper to insure due to several reasons. Cats are usually kept indoors so they are less likely to get into accidents. They are also less prone to disease and they seem to stay out of trouble better than dogs. Dogs, on the other hand, are more likely to ingest a foreign object or to get hit by a car because they ran after something on the street.
Breed: Certain breeds are more prone to diseases than others. In fact there is a pet insurance company that will only provide accident insurance (no illness) for Chinese Shar-pei and Shar-pei cross-breeds. Insuring a Saint Bernard might be more costly than insuring a golden retriever.
Age: The older your pet, the higher the premiums. This does not mean that pet insurance is not available for senior pets; in fact, many companies will still enroll your pet even if she is older than 8 years. This is why it pays to do a little research before jumping into pet insurance.
Location: The cost you pet insurance premiums are also affected by where you live. All companies require a zip code before you can get a quote and will even exclude certain states.
Coverage and deductible: The amount of coverage and the size of the deductible will play a part on the total cost of your premiums.
Visit SmartPetInsurance.com for more information on pet insurance. Compare plans and get quotes.