How to Lower Your Pet Insurance Premiums

| CJ Silvasi

Considering pet insurance? Or do you already have it and need a way to reduce your monthly premium costs while keeping your pets protected from accidents & illness?

lower premium header

Recent record-level inflation has led Americans to change their spending habits. You already know that pet insurance is an important part of your pet’s holistic well-being, but did you know you can cut monthly costs while still ensuring that your pets get the emergency care they need?

If you’re rethinking your budget and looking to limiting your spending while keeping your pet’s health protected with pet insurance, you can customize your coverage with AKC Pet Insurance (underwritten by Independence American Insurance Company) to reduce your monthly rate.

Multi-Pet Discounts1 from AKC Pet Insurance

AKC Pet Insurance offers pet insurance coverage for cats and dogs of all breeds, so any pet can be covered. If you’re looking to lower your pet insurance premiums, make sure to take advantage of AKC Pet Insurance’s Multi-Pet Discount. You can get a 5% discount on your premium when you enroll more than one pet, so protect your entire fur family.

1 Not available in all states. New and current policyholders may receive a 5% multi-pet discount if they get coverage for more than one pet or add an additional pet to an existing policy.

Customize Your Pet Insurance Coverage with Optional Add-Ons

AKC Pet Insurance knows that every pet is unique. Puppies have different veterinary needs than senior pets, and cats have different needs than dogs. So, why should your pet insurance treat them the same? Build onto your pet’s Accident and Illness coverage with optional extras like Veterinary Exam CoverageHereditary Condition Coverage, and Wellness Coverage for the perfect pet insurance plan. You can rest easy knowing that you have a pet insurance plan that can help your pet live a long, healthy life.

Build Your Perfect Pet Insurance Policy

Pet insurance helps cover the costs of unexpected veterinary bills in the event of an accident or illness. Recent estimates show that American pet owners are spending over $1500 annually on medical needs for their pets, and that emergency vet visits range from $250 to $8000! Responsible pet ownership shouldn’t send you into debt, so pet insurance reimburses covered veterinary expenses to help ease the financial burden.

Want to see how much AKC Pet Insurance coverage will cost for your cat or dog? Get a quote to see your rate. Once you’ve input your pet’s information into the quote tool, you will have the ability to customize your coverage rate by adjusting your plan’s deductible, coinsurance, and annual limit. 

What Is a Deductible for Pet Insurance?

Much like deductibles for other types of insurance, the deductible is the amount you must pay prior to insurance coverage kicking in. Each pet insurance provider has different policies for their deductibles. Some are per incident or have a life-time deductible. AKC Pet Insurance has an annual deductible per pet, and you can set your deductible between $100-1000. The higher you set your annual deductible, the lower your monthly premium.

What Is Coinsurance for Pet Insurance?

Coinsurance is the percentage of covered expenses that you must pay per covered claim. Because AKC Pet Insurance is reimbursement based, coinsurance determines the percentage of the reimbursement. When enrolling in coverage from AKC Pet Insurance, you can select 10%, 20%, or 30% coinsurance. If you want to lower your monthly premium, elect a higher coinsurance percentage during enrollment.

What Is an Annual Limit in Pet Insurance?

The annual limit applied to your pet insurance is the total amount you can get reimbursed in a policy year. Annual limits range from $2,500 to $20,000 in coverage The lower you set your annual limit, the lower your monthly premium could be. 

Protect your pet with the pet insurance of champions, AKC Pet Insurance. With multiple options to customize your coverage and add-on features, you can build the perfect plan for your cat and dog.

Don’t break your budget, customize your quote now to get the ideal coverage at the ideal premium for your family.

Photo of a woman holding her dog

Every Dog and Cat Deserves the Pet Insurance of Champions

Get prize-winning care for your pets.

CJ Silvasi

CJ has always wanted to be a writer. She even threatened to drop out after her first day of kindergarten when they weren’t immediately going to teach her to read and write. Fortunately, she stayed in school, earned her degree in Creative Writing from Christopher Newport University, and now gets to live her best life with her husband, 3 Japanese Chins, and cat writing for AKC Pet Insurance.