While researching the pet insurance industry, I was amazed at how different premiums were when obtaining a quote for my pet. Of course, some of the variation depends on what's covered and what's not covered as well as the maximum payouts, etc. But, you'd be surprised how different the premiums can be for relatively the same coverage.
What's really interesting is how much premiums rise with some companies as your pet ages. There can be huge differences. So, as you are doing your research, be sure and obtain quotes not only for your pet's current age, but for ages 8, 10, 12, 14, etc. Some insurance companies don't issue new policies on pets at these higher ages, so you may have to call the company and ask what the premium would be when your pet reaches these ages (obviously at today's rates). While it won't be an accurate amount for many years in the future (inflation), it will give you an idea about how the company's premiums rise due to the age of the pet.
Some companies keep premiums level until about age 8 or 10 when they start to rise. Some companies raises premiums gradually every year as your pet ages. Some companies raise premiums every few years. There is at least one company that doesn't raise premiums at all as your pet ages.
While how much premiums rise as your pet ages isn't as important as some other factors when selecting the best company to insure your pet, it is something you should look at when comparing companies.
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