Premiums vary widely based on factors like species, breed, age, pre-existing conditions, and level of coverage selected. On average, plans range from $20 - $100 per month. Get quotes to compare and find an optimal balance of premiums and reimbursement that fits your budget. 

The annual deductible, which generally ranges from $100-$1000, is the amount you pay out-of-pocket per condition before insurance coverage kicks in. Choosing a higher deductible lowers your monthly premiums but increases the upfront costs you’ll pay per claim.

It's best to enroll pets while young and healthy, before any illness or injury occurs that could be considered a pre-existing condition. Most plans don’t cover pre-existing conditions and premiums understandably increase with age. Insure puppies and kittens as early as 6-8 weeks old for maximum benefit.

Pay your vet bill upfront, then submit the itemized invoice and medical records to your pet insurer. Reimbursements are typically issued within 2 weeks via check or direct deposit. Some vets even file claims directly with the provider, saving you effort.