March 17th, 2022 | Updated on October 12th, 2023
If you’re worried that every little thing will negatively impact the cost of your pet insurance, then you’ve come to the right place. In this article, we’re going to go over the factors that won’t influence the cost of your pet insurance. We’ll look at things like chronic and pre-existing conditions, your pet’s training, and more.
Your Pet’s Chronic Conditions
Chronic and pre-existing conditions are two of the things that pet owners assume will end up costing them more when they get their pet insured, but that’s simply not true.
This is because pets will be tested for pre-existing conditions when you apply for your insurance coverage, and they will also have to undergo a waiting period.
One thing to keep in mind is that certain insurers like Bivvy don’t require a medical test for pets when signing up for coverage, which is one of their major selling points. While you’d still have a waiting period and they don’t cover a pre-existing condition, you don’t need a recent medical test to be covered.
So why does this mean that these conditions won’t impact the cost of your insurance? Any conditions that are discovered during this period won’t increase your premium or be covered by the policy in the first place because they will be added to the list of exclusions, meaning that you’re responsible for their treatment.
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How You Got Your Pet
The provenance of your pet is another factor that will not impact the cost of your insurance policy. Some owners assume that dogs that they rescued will have a higher insurance premium, but the truth is that any pre-existing conditions will already be excluded, so it doesn’t make sense to charge more for a dog that used to be a stray.
How Well-Trained Your Pet Is
Your pet’s training is something that will be difficult for insurance companies to determine during the initial examination.
A dog that is perfectly comfortable at the vet may be a terror outside and a dog that hates the vet may be the most well-behaved canine in the world.
Since insurance companies can’t accurately determine how well-behaved a dog is, they will keep it out of their calculations when it comes to determining your insurance premium.
Keep in mind that many insurance companies will have an exception if your dog ends up getting injured while being the aggressor.
Whether Your Pet Is An Indoor Or Outdoor Pet
Some outdoor pet owners assume that their insurance premiums will be higher because their dogs spend more time outdoors.
It makes sense to think so because of the abundance of wild animals and potential diseases that they can contract outside, but that will not influence the cost of coverage.
Both indoor and outdoor dogs can come across threats that can land them on the vet’s table, and insurance companies can’t verify whether your dog is an indoor dog or an outdoor dog.
If this was a factor in premiums, you can be sure that most people would simply say that they have an indoor dog, regardless.
Whether Your Pet Is Declawed
If you’re planning on insuring your cat, you won’t end up getting a lower insurance premium if your cat has been declawed.
As long as there were no complications during the declawing process, the status of your cat’s claws is of little concern to insurance companies.