Frequently Asked Questions about Pet Insurance Rat

Here are the answers to the most commonly asked questions about pet insurance rates.

What are pet insurance rates?

Pet insurance rates are estimates of the premiums you will pay on a policy with a particular insurer. Most pet insurance rates reflect annual premiums. Your pet insurance rates will depend on your coverage level, insurer, whether your pet is a cat or dog, the age of your pet, the breed of your pet, and your location.

How do I sign up for pet insurance rates?

You can get pet insurance rates from up to five different insurers for free on our site by filling out our brief, online sign-up form. The form will take you just a few minutes to complete. We will ask you for your name, address, and other basic contact information, and we will then provide you with pet insurance rates from various insurers. You will see these rates side-by-side for easy comparison shopping. We also present pet insurance rates in plain, easy-to-understand terms to help you compare apples-to-apples. If you see a policy that meets your needs, you can then apply for it on the insurer's website. Alternatively, you may also save your quotes on pet insurance rates and return to our site at your convenience. Before you sign up, please discover what to ask before you buy pet insurance.

How much does pet insurance cost?

Pet insurance rates will depend on the factors that were mentioned above. In general, though, a standard plan (with reimbursement of 50%-80%) will cost you an average of $100 per year for an adult cat and a little under $150 pet year for an adult dog. For a higher reimbursement level (50%-90%), premiums will be slightly more expensive. A superior plan with higher reimbursement levels might cost around $170 per year for an adult cat and $240 per year for an adult dog. Again, these are just rough estimates. Your actual pet insurance rates will depend on a number of factors that are unique to you and your pet.

How does my vet receive payment?

You pay your vet directly, and then your pet insurance company reimburses you for your expenses. This allows you to visit any vet you choose and eliminates the hassle of a third-party reimbursement system.

How do I file a claim?

This will depend on the company from which you get your pet insurance rates. In general, though, you will have your vet fill out a claim form, provide your pet's diagnosis, and submit the form with all receipts and invoices to your insurer. Your insurer will then send you a check for all eligible expenses.