Premiums for pet health insurance may increase as your pet ages. These adjustments are based on age-related health risks and are applied at defined stages during the policy term.
How do pet health insurance premiums change as my pet ages?
Premiums increase when your pet turns 1, 3, 5, 7, and 9. There are no further increases after the age of 9.
Why do pet health insurance premiums increase with age?
As pets get older, they are more likely to develop health issues that require veterinary care. Premium increases correspond to this higher risk of illness or injury as your pet ages.
When are premium increases applied to my policy?
The premium goes up at the start of the next insurance year after your pet reaches a certain age milestone. The insurance year begins on the policy's official start date, and premiums update on the policy anniversary date that follows the pet's birthday.
Can you provide an example of when a premium increase takes effect?
Sure. Let’s say your policy started on October 1, 2025, and your pet turns 3 on December 12, 2025. Your premium will change on October 1, 2026—the next anniversary of your policy after your pet turned 3.
How often do premiums increase?
They only increase at those specific age milestones (1, 3, 5, 7, and 9), not every year.
That means you can plan ahead and budget for any changes.
How can I get more help with my pet health insurance plan?
We’re happy to help. Just reach out to our support team anytime.