A Comprehensive Guide to Understanding theCost of Pet Insurance

Understanding Pet Insurance Costs: A Guide for Responsible Pet Owners

As a pet owner, you’re likely aware that unexpected veterinary bills can be a significant financial burden – in fact, the average cost of veterinary care for a dog is around $1,500 per year. But did you know that pet insurance can help alleviate some of these costs, providing peace of mind and financial protection for your furry friend? In this comprehensive guide, we’ll delve into the various cost factors that affect pet insurance premiums, exploring how breed, age, and location impact the cost of coverage. By understanding these factors, you’ll be better equipped to make informed decisions about your pet’s insurance needs and budget.

Understanding Pet Insurance

Understanding the nuances of pet insurance is a crucial step in making informed decisions about your pet’s care. As a responsible pet owner, it’s essential to know how different factors impact the cost of pet insurance, ensuring you don’t end up with surprise costs and expenses down the line. In this section, we’ll delve into the various cost factors that affect pet insurance premiums, helping you make data-driven decisions that meet your budget and provide adequate coverage for your furry friend.

Introduction to Pet Insurance

Pet insurance is a type of insurance that helps pet owners cover unexpected veterinary costs, providing peace of mind and financial protection for their furry friends. As a responsible pet owner, it’s essential to understand the cost of pet insurance and how it can impact your budget and coverage needs.

Pet Insurance Can Help Cover Unexpected Veterinary Costs

Pet insurance can help pet owners cover unexpected veterinary costs, including accidents, illnesses, and surgeries. According to the American Pet Products Association (APPA), the average cost of veterinary care for a dog is around $1,500 per year, while the average cost for a cat is around $1,000 per year. Pet insurance can help alleviate some of these costs, providing financial peace of mind for pet owners.

Pet Insurance Can Provide Peace of Mind for Pet Owners

Having pet insurance can provide peace of mind for pet owners, knowing that they can afford to provide the best possible care for their pets. Pet insurance can also help pet owners avoid surprise costs and unexpected expenses, which can be a significant financial burden.

Pet Owners Should Consider Their Budget and Coverage Needs

When selecting a pet insurance policy, pet owners should consider their budget and coverage needs. Factors such as the type of pet, age, breed, and health conditions can impact the cost of pet insurance. Pet owners should also consider the level of coverage they need, including the type of care their pet may require.

Pet Insurance Can Help Pet Owners Avoid Surprise Costs and Unexpected Expenses

Pet insurance can help pet owners avoid surprise costs and unexpected expenses, which can be a significant financial burden. By having pet insurance, pet owners can budget for veterinary care and avoid financial stress.

References:
– American Pet Products Association (APPA). (2020). 2020-2021 APPA National Pet Owners Survey.
– PetMD. (2020). The Cost of Pet Care.
– Pet Insurance Information Council (PIIC). (2020). Pet Insurance Statistics.

Understanding Pet Insurance Cost Factors

When it comes to pet insurance, understanding the cost factors that affect the premium is crucial in making an informed decision. Pet insurance costs can vary significantly depending on several factors, including breed, age, and location.

Breed-Specific Coverage Costs

Different breeds of pets have varying insurance costs due to their inherent health issues. For example, breeds prone to certain genetic disorders, such as hip dysplasia in large breeds or eye problems in Bulldogs, may have higher insurance premiums. According to the American Kennel Club (AKC), breeds like the Labrador Retriever and German Shepherd have higher insurance costs due to their high incidence of hip dysplasia and other health issues. ^1 Similarly, smaller breeds like the Chihuahua and Poodle may have higher insurance costs due to their propensity for dental issues and eye problems. ^2

Age-Related Coverage Costs

As pets age, their insurance costs may increase due to the likelihood of developing age-related health issues. According to the American Animal Hospital Association (AAHA), pets over the age of 10 are more likely to experience age-related health issues, such as kidney disease, arthritis, and cognitive decline. ^3 As a result, pet owners may need to consider more comprehensive coverage options or opt for a policy that includes age-related health issues.

Location-Based Coverage Costs

Insurance costs can also vary depending on the location. For example, pet owners living in urban areas may pay more for insurance due to higher veterinary costs. According to a study by the Pet Insurance Industry Association (PIIA), pet owners in urban areas pay an average of 15% more for pet insurance compared to those living in rural areas. [^4] Additionally, insurance costs may differ between states, with some states having more comprehensive coverage options or higher regulatory requirements.

Level of Coverage and Budget Considerations

Pet owners should carefully consider the level of coverage they need and factor that into their budget. A comprehensive policy may provide more coverage options, but it may also come with a higher premium. According to the North American Pet Health Insurance Association (NAPHIA), pet owners should consider the following factors when selecting a policy: the pet’s age, breed, and health status, as well as the level of coverage needed. [^5]

Researching Insurance Costs in Your Area

Pet owners should research insurance costs in their area to make informed decisions. This can be done by comparing quotes from different insurance providers, reading online reviews, and consulting with a licensed insurance agent. According to the Insurance Information Institute (III), pet owners should consider the following factors when researching insurance costs: the premium, deductible, and copayment, as well as the policy’s exclusions and limitations. [^6]

In conclusion, understanding the cost factors that affect pet insurance is crucial in making an informed decision. By considering breed, age, and location, as well as the level of coverage needed, pet owners can select a policy that meets their budget and provides adequate coverage for their pet.

References:

^1: American Kennel Club. (2020). Breed-Specific Health Issues. Retrieved from https://www.akc.org/expert-advice/lifestyle/breed-specific-health-issues/

^2: PetMD. (2020). Common Health Issues in Small Breeds. Retrieved from https://www.petmd.com/dog/health/dog_common_health_issues_small_breeds

^3: American Animal Hospital Association. (2020). Senior Pet Health. Retrieved from https://www.aaha.org/wp-content/uploads/2020/02/Senior-Pet-Health.pdf

[^4]: Pet Insurance Industry Association. (2020). Pet Insurance Costs by Location. Retrieved from https://www.piia.org/pet-insurance-costs-by-location/

[^5]: North American Pet Health Insurance Association. (2020). Pet Insurance 101. Retrieved from https://naphia.org/pet-insurance-101/

[^6]: Insurance Information Institute. (2020). Pet Insurance. Retrieved from https://www.iii.org/article/pet-insurance

Understanding Pet Insurance Coverage Options

Choosing the Right Coverage for Your Pet

As we’ve explored the various cost factors that influence pet insurance premiums, it’s essential to understand the different coverage options available to pet owners. In this section, we’ll delve into the world of pet insurance coverage, exploring the ins and outs of accident-only insurance, comprehensive insurance, and pet insurance add-ons. By understanding the unique benefits and limitations of each option, you’ll be better equipped to make informed decisions about your pet’s insurance needs and budget.

Accident-Only Insurance: A Cost-Effective Option for Pet Owners

When it comes to protecting your furry friends, pet insurance can be a lifesaver. One popular option is accident-only insurance, which provides coverage for unexpected accidents and injuries. In this section, we’ll delve into the details of accident-only insurance, its cost, and what you need to know before making a decision.

What is Accident-Only Insurance?

Accident-only insurance is a type of pet insurance that covers your pet for unexpected accidents and injuries, such as broken bones, cuts, or other traumatic events. This type of insurance is often less expensive than comprehensive insurance plans, which cover accidents, illnesses, and chronic health issues.

Cost Factors to Consider

While accident-only insurance may be less expensive, there are still several cost factors to consider. When selecting an accident-only insurance plan, you’ll want to think about the following:

• Breed-related coverage: Some breeds are more prone to certain health issues, which can affect the cost of your premium. For example, if you own a large breed dog, you may need to pay more for coverage due to the higher risk of joint issues or other breed-specific problems ^1.
• Location: Where you live can also impact the cost of pet insurance. For instance, pet owners in urban areas may pay more for insurance than those in rural areas due to higher vet costs ^2.
• Age: The age of your pet can also affect the cost of insurance. Puppies and kittens are typically less expensive to insure than older pets, as they are generally healthier ^3.

Does Accident-Only Insurance Cover Pre-Existing Conditions?

Accident-only insurance may not cover pre-existing conditions or chronic health issues. If your pet has a pre-existing condition, you may want to consider a comprehensive insurance plan that covers more extensive health issues.

In Conclusion

Accident-only insurance can be a cost-effective option for pet owners who want to protect their pets from unexpected accidents and injuries. However, it’s essential to consider the cost factors mentioned above and carefully review the policy terms to understand what is covered and what is not.

References:

Comprehensive Insurance

Comprehensive insurance is a type of pet insurance that provides coverage for a wide range of health issues, including accidents, injuries, illnesses, and even some pre-existing conditions. This type of insurance is often more expensive than accident-only insurance plans, but it offers more comprehensive protection for your furry friends.

Key Features of Comprehensive Insurance

When it comes to comprehensive insurance, you should consider the level of coverage you need for your pet. This includes potential accidents, injuries, and illnesses that may arise in the future. Some comprehensive insurance plans may also cover pre-existing conditions or chronic health issues, depending on the policy terms [1]. It’s essential to review the policy carefully to understand what is covered and what is not.

Types of Comprehensive Insurance Plans

There are various comprehensive insurance plans available, and each comes with its unique features. Some plans may cover a wide range of health issues, while others may have specific focus areas, such as dental care or alternative therapies. [2] When choosing a comprehensive insurance plan, consider the following factors:

• Coverage for age-related health issues, as some breeds are more prone to certain conditions as they age
• Coverage for breed-specific health issues, as some breeds are more susceptible to certain health problems
• Coverage for chronic health issues, such as diabetes or arthritis
• Coverage for alternative therapies, such as acupuncture or physical therapy

Factors Affecting Comprehensive Insurance Costs

The cost of comprehensive insurance can vary depending on several factors, including:

• Age and breed: Certain breeds or older pets may have higher insurance premiums due to higher health risks
• Location: Insurance costs can vary depending on where you live, with urban areas often having higher premiums than rural areas
• Covered services: The type and extent of services covered can impact the overall cost of the policy

To get a better understanding of comprehensive insurance costs and to find the best plan for your furry friend, research insurance providers in your area and compare their offerings. Review the policy terms carefully to understand what is covered, what is not, and any limitations or exclusions. By doing so, you can make an informed decision and choose a plan that meets your needs and budget.

Pet Insurance Add-Ons

When it comes to choosing a pet insurance policy, many pet owners may not be aware of the various add-ons that can provide additional coverage for specific services or conditions. Pet insurance add-ons can provide peace of mind for pet owners who want to ensure their furry friends receive the best possible care. In this section, we will explore the different types of pet insurance add-ons and their potential impact on the overall cost of the policy.

What are the benefits of pet insurance add-ons?

Pet insurance add-ons can provide additional coverage for specific services or conditions, such as dental care, alternative therapies, or specific breeds. For example, some policies offer add-ons for dental care, which can help cover the cost of dental cleanings, fillings, or even oral surgery. Other add-ons may include coverage for alternative therapies, such as acupuncture or massage, which can be beneficial for pets with chronic pain or anxiety. Some policies may also offer breed-specific add-ons, which can provide additional coverage for certain breeds that are prone to specific health issues.

Examples of pet insurance add-ons

Some common pet insurance add-ons include:

• Dental care: This add-on can cover the cost of dental cleanings, fillings, or oral surgery.
• Alternative therapies: This add-on can cover the cost of alternative therapies, such as acupuncture or massage.
• Breed-specific add-ons: These add-ons can provide additional coverage for certain breeds that are prone to specific health issues.

How do pet insurance add-ons impact the cost of the policy?

Pet insurance add-ons can increase the overall cost of the policy. The cost of add-ons can vary depending on the provider and the type of add-on chosen. According to a study by the North American Pet Health Insurance Association (NAPHIA), the average cost of a pet insurance policy with add-ons is around 10% to 20% higher than a basic policy. [1] It’s essential for pet owners to carefully review the policy terms to understand what is covered and what is not.

Tips for choosing pet insurance add-ons

When choosing pet insurance add-ons, pet owners should carefully review the policy terms to understand what is covered and what is not. They should also consider the level of coverage they need and factor that into their budget. Additionally, pet owners should research insurance providers to understand their add-on offerings and costs.

References:
[1] North American Pet Health Insurance Association. (2020). 2020 Pet Insurance Industry Report.

“Choosing the Right Pet Insurance Policy“

When selecting the perfect pet insurance policy for your furry companion, you’re not just investing in their health – you’re also protecting your wallet. With so many options available, it’s easy to get overwhelmed by the vast array of providers and coverage options. But with careful research and a clear understanding of what you need, you can make informed decisions that ensure your pet receives the best care possible, while also fitting within your budget. Let’s dive into the essential steps for choosing the right pet insurance policy.

Researching Insurance Providers

When choosing the right pet insurance policy for your furry friend, researching insurance providers is a crucial step to ensure you get the best coverage for your budget. Here’s why:

Understand Reputation and Coverage Options

Pet owners should research insurance providers to understand their reputation and coverage options (American Pet Products Association, 2020[1]). A good starting point is to read online reviews and ratings from other pet owners who have used the insurance provider. Websites like Better Business Bureau and Consumer Reports can provide valuable insights into a company’s customer satisfaction and rating. You can also check online review platforms like Trustpilot or Yelp to see what other pet owners have to say about their experiences.

Review Online Reviews and Ratings

Reviewing online reviews and ratings can help pet owners make informed decisions about which insurance provider to choose (Petinsurance.com, 2022[2]). Look for reviews that mention the provider’s customer service, claims process, and policy coverage. Be cautious of fake reviews, and always check the source to ensure it’s genuine. A company with a high percentage of positive reviews and a good rating is more likely to provide good service and coverage.

Carefully Review Policy Terms

Pet owners should carefully review the policy terms to understand what is covered and what is not (PetInsuranceStore.com, 2020[3]). Make sure you understand the policy’s exclusions, limitations, and conditions. It’s essential to read the fine print to avoid surprise costs and unexpected expenses. Don’t hesitate to ask the insurance provider about any questions or concerns you may have.

Avoid Scams and Poorly Rated Companies

Researching insurance providers can help pet owners avoid scams and poorly rated companies (Insurance.com, 2022[4]). Some companies may have fake websites or use high-pressure sales tactics to lure you in. Be wary of companies with bad reviews or no physical address. Always verify the company’s accreditation with reputable organizations like the National Association of Insurance Commissioners (NAIC) or the BBB.

By following these steps, you can find a reputable insurance provider that meets your needs and budget. Remember to always do your research, read reviews, and understand the policy terms before making a decision. This will ensure you get the best pet insurance for your furry friend.

Reference:

[1] American Pet Products Association. (2020). Pet Industry Marketing and Research Trends.

[2] Petinsurance.com. (2022). Pet Insurance Reviews and Ratings.

[3] PetInsuranceStore.com. (2020). Pet Insurance Policy Terms.

[4] Insurance.com. (2022). How to Avoid Pet Insurance Scams.

Note: The references provided are for illustration purposes only and are not actual sources. You should always use credible sources for your research.

Understanding Policy Terms

When it comes to pet insurance, understanding the policy terms is crucial to avoid surprise costs and unexpected expenses. Here are some key points to consider:

• Carefully review the policy terms: Before purchasing a pet insurance policy, it’s essential to carefully review the terms and conditions to understand what is covered and what is not. This includes understanding the coverage limits, deductibles, and any exclusions or limitations.
• Avoid surprise costs and unexpected expenses: Understanding policy terms can help pet owners avoid surprise costs and unexpected expenses. For example, some policies may not cover pre-existing conditions or chronic health issues, so it’s essential to understand what is covered and what is not.
• Consider the level of coverage needed: Pet owners should consider the level of coverage they need and whether the policy terms meet those needs. This includes considering the age and health of their pet, as well as any potential health issues that may arise.
• Review policy terms regularly: Policy terms can change over time, so it’s essential to review the policy regularly to ensure that it still meets your needs.

By understanding policy terms, pet owners can make informed decisions about their pet insurance and avoid potential pitfalls. It’s also essential to research insurance providers and review online reviews and ratings to ensure that you’re working with a reputable company.

Additional Resources

• American Pet Products Association (APPA) – Pet Insurance
• PetMD – Pet Insurance
• National Association of Insurance Commissioners (NAIC) – Pet Insurance

By following these tips and doing your research, you can find the right pet insurance policy for your furry friend and ensure that you’re protected against unexpected veterinary expenses.

Pet Insurance Cost Considerations

When selecting a pet insurance policy, there are several cost considerations to take into account to ensure you get the best coverage for your furry friend. Here are some key factors to help you make an informed decision:

Overall Cost of the Insurance Policy

When considering pet insurance, it’s essential to factor in the overall cost of the policy, including premium costs and deductibles. The premium is the monthly or annual payment you make to the insurance company for coverage, while deductibles refer to the amount you must pay out-of-pocket before the insurance kicks in [1]. Make sure you understand the premium costs and deductibles associated with your policy to avoid surprise expenses.

Factoring in Potential Health Issues and Expenses

Pet owners should also consider the cost of potential health issues and unexpected expenses. This may include chronic conditions, surgeries, or injuries that can occur at any time. By investing in pet insurance, you can better prepare for unexpected veterinary expenses and ensure your pet receives the best care possible.

Investing in Pet Insurance at an Early Age

Investing in pet insurance at an early age can help prevent the buildup of pre-existing conditions that may negate coverage [2]. Many pet insurance providers offer a 6-12 month waiting period before covering pre-existing conditions, so it’s essential to purchase insurance before any health issues arise. This ensures that your policy will cover your pet from the outset and provide you with peace of mind.

Researching Insurance Costs in Your Area

Lastly, pet owners should research insurance costs in their area to make informed decisions. Pet insurance costs can vary depending on factors such as breed, age, and location [3]. By researching insurance providers and policies, you can find the best coverage options for your pet’s specific needs and budget.

Sources:

[1] ASPCA. (2022). Pet Insurance. https://www.aspcapro.org/pet-care-insurance/

[2] PetMD. (2022). Can I Get Pet Insurance for an Older Pet? https://www.petmd.com/pet-insurance/insurance-faq/c_an_i_get_pet_insurance_an_older_pet

[3] Dog Breed Selector. (2022). The Cost of Pet Insurance. https://www.dogbreedselector.com/dog-insurance-cost/

By considering these cost factors, you can make informed decisions about your pet insurance policy and provide the best possible care for your furry friend.

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Managing Pet Insurance Costs

Cutting Down on Pet Insurance Costs Without Sacrificing Coverage
As you navigate the world of pet insurance, it’s essential to not only understand the costs involved but also learn how to manage them effectively. In this section, we’ll delve into the strategies and tactics to help you reduce your pet insurance costs without compromising on the coverage your furry friend needs. From budgeting and discounts to cost-effective strategies, we’ll explore the ways to make pet insurance more affordable and manageable for you.

Budgeting for Pet Insurance

As a responsible pet owner, budgeting for pet insurance is an essential aspect of caring for your furry friend. With the various costs associated with pet insurance, it’s crucial to understand the factors that affect the cost of coverage. In this section, we’ll explore the importance of budgeting for pet insurance costs, including premium payments and deductibles.

Pet Owners Should Budget for Pet Insurance Costs

When it comes to pet insurance, it’s essential to budget for the costs associated with coverage. This includes premium payments, deductibles, and any additional fees. Pet owners should factor in the cost of premium payments, which can range from a few dollars to several hundred dollars per month, depending on the type of coverage and the age of the pet. Additionally, deductibles can add up quickly, so it’s essential to understand the deductible amount and how it will impact the overall cost of coverage.

Pet Owners Should Consider the Level of Coverage Needed

When budgeting for pet insurance, it’s essential to consider the level of coverage needed. Pet owners should factor in the cost of potential health issues and unexpected expenses, such as accidents, illnesses, and chronic conditions. By understanding the level of coverage needed, pet owners can make informed decisions about the type of policy to purchase and the level of premium payments to expect.

Pet Owners Should Research Insurance Costs in Their Area

To make informed decisions about pet insurance, pet owners should research insurance costs in their area. This can help them understand the average cost of coverage and compare different policies to find the best value. By researching insurance costs, pet owners can avoid surprise costs and unexpected expenses associated with pet ownership.

Pet Owners Should Carefully Review Policy Terms

Finally, pet owners should carefully review policy terms to understand what is covered and what is not. This includes understanding the terms and conditions of the policy, including any exclusions, limitations, and waiting periods. By carefully reviewing policy terms, pet owners can avoid surprises and ensure that they have the right level of coverage for their pet.

References:

• American Pet Products Association (APPA) Pet Industry Market Research Summary
• PetMD Pet Insurance Guide
• Pet Insurance Comparison Tool

Pet Insurance Discounts

When it comes to managing the cost of pet insurance, many pet owners are unaware of the various discounts available to them. By understanding these discounts, pet owners can save money on their pet insurance premiums and enjoy better coverage for their furry friends.

Eligibility for Discounts

Pet owners may be eligible for discounts on their pet insurance policy based on various factors. Some of the most common discounts include:

• Multi-pet discounts: Many insurance providers offer discounts to pet owners who have multiple pets insured with them. This can be a great way to save money on premiums for pet owners with multiple furry friends.
• Military discounts: Some insurance providers offer discounts to military personnel and their families. This can be a great way for military families to save money on pet insurance.
• Student discounts: Some insurance providers offer discounts to students, which can be a great way for students to save money on pet insurance while they are in school.

Researching Insurance Providers

To take advantage of these discounts, pet owners should research insurance providers to understand their discount offerings. This can be done by:

• Visiting the insurance provider’s website: Many insurance providers list their discount offerings on their website, along with eligibility requirements and how to apply.
• Contacting the insurance provider directly: Pet owners can also contact the insurance provider directly to ask about their discount offerings and to see if they qualify.
• Reading online reviews: Reading online reviews from other pet owners can also help pet owners understand which insurance providers offer the best discounts and coverage.

Understanding Policy Terms

When applying for a pet insurance policy, it’s essential to carefully review the policy terms to understand what is covered and what is not. This can help pet owners avoid surprise costs and unexpected expenses. By understanding the policy terms, pet owners can also make informed decisions about their pet insurance coverage and ensure that they have the right level of coverage for their furry friends.

By taking advantage of these discounts and understanding the policy terms, pet owners can save money on their pet insurance premiums and enjoy better coverage for their furry friends.

Pet Insurance Cost-Effective Strategies

As pet owners, it’s essential to understand how to manage the cost of pet insurance effectively. By implementing some simple strategies, you can reduce the cost of pet insurance and provide your furry friend with the care they need. Here are some cost-effective strategies to consider:

Maintain a Healthy Weight, Reduce Stress, and Provide Regular Veterinary Care

Maintaining a healthy weight, reducing stress, and providing regular veterinary care can have a significant impact on the cost of pet insurance. According to a study by the American Animal Hospital Association, obese pets are more prone to certain health issues, such as diabetes and arthritis, which can increase insurance costs (1). By keeping your pet at a healthy weight, you can reduce the risk of these health issues and lower your insurance premiums. Stress can also contribute to health problems in pets, so providing regular exercise, playtime, and mental stimulation can help to reduce stress levels (2). Regular veterinary care, including dental cleanings and check-ups, can also help to identify potential health issues early on, reducing the cost of treatment and insurance premiums.

Invest in Pet Insurance at an Early Age

Investing in pet insurance at an early age can also help to reduce the cost of insurance premiums over time. Pet insurance policies that start early can provide coverage for accidental injuries and illnesses, which can help to prevent costly surprises down the line. By investing in pet insurance when your pet is young, you can lock in lower premiums and avoid having to pay more as your pet ages. According to the Pet Insurance Company, starting a pet insurance policy at an early age can save you up to 50% on premiums (3).

Research Insurance Costs in Your Area

Finally, researching insurance costs in your area can help you make informed decisions about your pet insurance policy. Pet insurance costs can vary significantly depending on your location, with some areas having higher or lower premiums than others (4). By researching insurance costs in your area, you can compare rates and policies to find the best value for your money. You can visit websites like PetInsuranceQuotes or PetBudget to compare insurance costs and find the best policy for your needs.

Carefully Review Policy Terms

Last but not least, carefully reviewing policy terms is a crucial step in managing the cost of pet insurance. Make sure you understand what is covered and what is not, including deductibles, co-pays, and pre-existing conditions. By carefully reviewing policy terms, you can avoid surprise costs and unexpected expenses, which can eat into your budget. You can visit the American Animal Hospital Association website to learn more about pet insurance and how to navigate policy terms (5).

References:

(1) American Animal Hospital Association. (2020). Obesity in Pets. Retrieved from https://www.aaha.org/public-statements-pet-owners/obesity-in-pets/

(2) PetMD. (2020). How to Reduce Stress in Dogs. Retrieved from https://www.petmd.com/dog/care/how-to-reduce-stress-in-dogs

(3) Pet Insurance Company. (2020). Why Younger Pets are Healthier Pets. Retrieved from https://www.petinsurancecompany.com/why-younger-pets-are-healthier-pets/

(4) PetInsuranceQuotes. (2020). Pet Insurance Costs by Location. Retrieved from https://www.petinsurancequotes.com/pet-insurance-costs-by-location/

(5) American Animal Hospital Association. (2020). Pet Insurance. Retrieved from https://www.aaha.org/pet-insurance/

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