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How can I reduce the cost of my pet insurance? 7 top tips

How can I reduce the cost of my pet insurance? 7 top tips

The cost of pet insurance is on the rise. In fact, 35% of owners saw a rise in their premiums in 2018, according to a Which? survey. To help you save some cash, here are our top tips for reducing the cost of cover for your dog or cat. 

Tom Harrison
Content writer
minute read
posted 2 APRIL 2020

7 top tips to cut costs on pet insurance

Protect yourself and your pet against any potential emergencies, accidents and illnesses for less. Did you know, the average annual cost of insuring a dog is £171, across all levels of cover?** Here are some ways to drive the cost down.

**50% of people could achieve a quote of £170.40 per year for their dog insurance based on Compare the Market data in February 2020 for all cover types.

1. Pay a higher excess

Opting to pay a higher excess could mean that the cost of your premium is reduced. But be realistic when deciding on the excess amount and make sure you can comfortably afford to pay it if you have to claim on your policy.

Be wary of having to pay a percentage-based excess as well as the usual one-off payment – this can become very expensive if you’re claiming for lengthy or costly treatments.

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2. Don’t assume the cheapest pet insurance isn’t enough

Pet insurance policies offer varying levels of cover, all at different prices. The most expensive policy won’t necessarily provide the best level of protection for your pet – so you could end up paying for more cover than you really need.

Look at the particular needs of your pet, your budget and then choose the cover that matches.

3. Check if your pet is entitled to free treatment

The PDSA is a charity that supports sick or injured animals if their owners are on means-tested benefits.

The Blue Cross offers emergency care at its hospitals, mobile clinics and pet care clinics around the UK. Its vet services are available to pets whose owners are on some means-tested benefits. You’ll need to check if you live in the catchment area for one of the hospitals or clinics to be eligible.

4. Keep your pet healthy

Take good care of your pet’s health from the day they arrive and you could save yourself a small fortune in vet’s bills.

  • Make sure your pet has the right vaccinations and any annual boosters
  • Give them a healthy diet
  • Worm them regularly
  • Protect against fleas
  • Look after their dental health

Reducing the chances of your pet needing treatment by your local vet will, in turn, mean your premium is less likely to rise.

5. Consider spaying or neutering your pet

Neutering or spaying your pet can potentially lower your premiums. This is because it reduces the chance of your pet developing various conditions, and also makes them less likely to stray. 

6. Multi-pet discounts

Got more than one pet? Most insurance providers offer discounts of 5%-10% for insuring multiple pets with them. And that can even apply if you don’t buy the policies together, so it is worth checking with your insurance provider.

7. Compare pet insurance quotes

Our pet insurance comparison service gives you an effective way to compare quotes from a wide range of insurance providers. It can help you and your pet find the right cover at a price you can afford. 

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