Levers that cut premium
Three settings drive 80% of price.
- Annual deductible — $500 vs $100 saves a lot.
- Reimbursement % — 70% vs 90%.
- Annual limit — $10k vs unlimited.
What NOT to cut
Don't skip hereditary/congenital cover for purebred breeds prone to it.
Frequently asked
- Should I enroll young to save money?
- Yes — premiums rise with age and pre-existing exclusions multiply.
- Are wellness add-ons worth it?
- Rarely. They usually return less than they cost.
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