Pet Health Insurance - 3 Least/Most Expensive Animals

Pet health insurance has become more popular as Americans deal with the high cost of veterinary services. Most pet owners find the cost to insure an animal is a good investment because of the reduced cost of routine visits, shots and prescription medications. It is even possible to add two or more animals to one plan, similar to family health care plans. Ultimately, the type of animal you are insuring will greatly affect your health care costs. 

3 Least Expensive Animals to Insure

  • Indoor cats - Indoor cats are relatively inexpensive to insure due to a low exposure to injury and illness. If you have one indoor cat, your expense can be very low. The most expensive procedures will be surgeries, spay, neuter or declawing costs. If your cat has already been spayed or neutered and declawed, the cost of insurance drops. Most indoor cats can be insured for a few hundred dollars a year, depending on medical conditions and age.
  • Non-exotic birds - Common birds are fairly inexpensive to insure. Egg binding surgery can be among the most expensive procedures for your bird, so taking care of this issue before electing coverage may be beneficial. Beyond that, feather picking and self-mutilation will be covered under an insurance plan. Small, common birds are less expensive than rare or exotic birds which may require extensive care.
  • Pocket pets - Guinea pigs, hamsters and other small mammals are inexpensive to insure each year. These mammals do not require expensive surgeries and medications for the most part. However, if you have other animals in the home or are planning on mating your pocket pet, health insurance can pay off. Since these animals have a short life expectancy, the total cost of insurance over the animal's lifetime can be less than a few hundred dollars and will cover all yearly vet visits. 

3 Most Expensive Animals to Insure

  • Large animals - Health insurance for horses, livestock and other large animals is much more expensive because it often requires going to a specialist rather than a primary practitioner veterinarian. Even though these animals are expensive to insure, the cost will often cover the huge payments you would otherwise make to veterinary care each year.
  • Outdoor cats - Outdoor cats are at risk for a number of illnesses. They are also commonly involved in accidents such as car accidents or falls. If there are feral cats in your neighborhood, your pet may require additional health care costs that will increase the cost of your insurance each month. Keeping your cat indoors will not only lower the cost of insurance but increase the life expectancy of your cat. Most vets recommend keeping your cat inside if possible.
  • Exotic pets - When you purchase an exotic pet, be prepared to pay more for medical care and pet health insurance. Certain types of reptiles and birds qualify as exotic pets. Certain mammals, such as hedgehogs or potbellied pigs, are exotic pets even though they may be local to your area.
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