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Pet insurance, on average, costs about 1/15 of what is would cost to insure an human. Several factors determine the premium pet owners can expect to pay for pet insurance. The biggest factors are..

The age of the pet. Veterinary expenses are the highest during the last two years of a pet's life. If the insurance company's actuarial tables say that your pet is nearing the end of his/her natural life, expect the premiums to be higher.



The type of animal: Because dogs and cats are the most popular pets worldwide, their coverages tend to be average. Birds, oddly enough, tend to have slightly lower premiums. Horses weigh in at the high end. In general, the more expensive the animal, the more expensive the premiums tend to be.

Than...
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