Do dog and cat breeds impact pet insurance costs?
If you have some canine or feline family members that you want to protect with pet insurance, you may be wondering if different breeds are cheaper or more expensive to insure than others. Compare the Market’s General Manager of General Insurance, Adrian Taylor, says that a pet’s breed can definitely impact insurance costs.
“Different breeds all have their own characteristics that affect their temperament, size and look. Sometimes these traits can have negative affects on the pet’s health, which increases the risk from a pet insurance perspective, so some breeds will cost more to insure than others,” Taylor explains.
“For example, Brachycephalic or ‘flat-faced’ breeds like French Bulldogs or Persian cats typically have serious health problems due to their physiognomy, and thus can be more expensive to insure than other dog and cat breeds that don’t have breathing issues,” says Taylor.
“A dog or cat’s breed is just one factor when it comes to the cost of pet insurance, so it’s important to weigh up other big elements that influence pet insurance costs such as your pet’s age, a family history of health problems and pre-existing conditions. It’s best to compare pet insurance for your furry friend at an early age before they potentially develop other health problems that can impact the cost of insurance.”