How much is pet insurance for a dog?

5th February 2019by Joanna White

Dogs have been the most popular pets in the world for a long time now, and for good reason; they’re cute, cuddly, friendly, not to mention the fact that they make great company.

With dogs giving us so much joy and happiness, it’s only fair that we treat them accordingly; meaning that they should be equipped with the most comprehensive type of pet insurance.

If you’re wondering how much pet insurance for a dog is, then you’re probably not the only one, and this comprehensive guide will tell you everything you need to know.

What you need to know – how much is pet insurance for a dog?

Of course, there is no set price or rule for how much pet insurance for a dog costs, but the average annual cost is thought to be around £287.

There are many factors influencing and affecting the price of pet insurance for a dog, some of which you can find below.

Where you live

This may seem like an odd thing to influence the price of pet insurance for a dog, but it is a factor that you should consider when looking at pet insurance quotes.

Where you live can have a significant impact on the price you pay for pet insurance for your dog. This is because insurance companies consider the fact that veterinary treatment costs differ in different parts of the country.

It goes without saying that places with a higher cost of living such as London and the South West of England are known to have high pet insurance costs for dogs.

The breed of dog

The breed of dog you have is one of the most common factors affecting the price of pet insurance. It will of course vary with each insurance provider, but you can expect the general rules to apply when seeking pet insurance for your dog:

  • Mixed breed dogs are usually cheaper to insure
  • Pet insurance for female dogs is usually cheaper
  • Smaller dogs are cheaper to insure than big dogs

Of course, there is no set rule applied to every type of pet insurance policy, but as a guideline, you can expect your insurer to follow the above when it comes to pricing up your dog insurance policy.

Type of policy

There are numerous types of pet insurance policies that you can obtain for your dog, which will all affect the overall price that you pay.

Accident only

Accident only pet insurance is usually the cheapest option as it is designed to protect your dog if it requires veterinary treatment for an accident; however, it won’t cover the cost for illnesses.

Time limited

This type of pet insurance for dogs if ideal if your dog requires treatment for a short-term illness. The policy will last around 12 months, so if your dog experiences a condition that lasts longer than this time frame, then your insurance provider won’t pay out.

Per condition

Per condition pet insurance involves cover for any one medical condition that affects your dog; without imposing a strict time limit. It can often be costly but worth it if your dog suffers from one condition.

Lifetime policy

Often considered to be the most expensive type of pet insurance for dogs, a lifetime policy will offer cover for your dog for the entirety of its life. It’s the most comprehensive type of cover and will cover the cost of vet fees for a certain amount, that is reset every year.

The cost of your premiums is also likely to increase slightly each year, but this cost will be worth it if you want to ensure that your dog has the most comprehensive cover possible.

Your dog’s age

Your dog’s age is another factor that will affect the price of dog insurance. Generally, the older your dog is, the more expensive your pet insurance policy will be.

This is because they’ll be deemed as more at risk of needing to make a claim as they’re more likely to suffer from illnesses or medical conditions due to old age.

Conclusion – how much is pet insurance for a dog?

When it comes to looking for pet insurance for a dog, it can be hard to know where to start. With so many factors affecting the price of insurance as well as the various type of policies available, it’s important to make sure you’re well informed so that you choose the best cover for both you and your beloved dog.

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