Pet insurance in the UAE is a growing trend, providing peace of mind to pet owners who want the best care for their cats and dogs. However, one common question many pet parents have is: What determines the cost of pet insurance?
The price of pet insurance isn’t one-size-fits-all—it’s influenced by various factors related to your pet and the coverage you select. At Shory, we want you to understand these factors so you can make an informed decision.
1. Type of Pet
The type of pet you own plays a significant role in determining your insurance premiums. Cats and dogs are the most commonly insured pets in the UAE, and their costs vary based on breed-specific risks.
For example:
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Dogs: Some breeds are more prone to hereditary conditions like hip dysplasia or heart issues, leading to higher premiums.
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Cats: Breeds like Persians or Maine Coons may have specific health concerns, impacting the cost.
At Shory, we offer insurance tailored specifically for cats and dogs, ensuring they get the care they deserve.
2. Age of the Pet
Age is a key factor in pet insurance pricing. Younger pets typically cost less to insure because they’re less likely to develop chronic conditions or require extensive medical care. As pets age, the risk of illnesses like arthritis, diabetes, or kidney disease increases, leading to higher premiums.
3. Breed of the Pet
Certain breeds are more susceptible to health issues than others. For example:
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Small dog breeds like Chihuahuas might have dental issues.
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Larger breeds like German Shepherds are prone to joint problems.
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Specific cat breeds like Siamese cats may be more prone to respiratory issues.
Insurers assess these breed-specific risks when determining premiums.
4. Medical History
Just like humans, a pet’s medical history influences insurance costs. Pets with a history of illnesses or injuries might have higher premiums due to the likelihood of recurring medical expenses.
5. Coverage Type and Level
The scope of your insurance coverage also plays a significant role in pricing. For instance:
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Basic Plans: Cover accidents and injuries, usually at a lower cost.
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Comprehensive Plans: Include coverage for accidents, illnesses, routine care, and vaccinations, which increases the premium.
At Shory, you can choose the plan that best suits your pet’s needs and your budget.
6. Location
Where you live in the UAE may also impact pet insurance prices. For example, veterinary costs in cities like Dubai or Abu Dhabi may be higher than in smaller towns, which can affect insurance premiums.
7. Lifestyle and Activity Level
Active pets, especially dogs that frequently go outdoors, might be at a higher risk of accidents or injuries, leading to slightly higher insurance costs. Pets with a more sedentary lifestyle generally have fewer risks, which can lower premiums.
Why Shory Pet Insurance Stands Out
At Shory, we make pet insurance simple, transparent, and affordable. Whether you have a playful dog or a curious cat, we provide plans tailored to their unique needs. Our 100% online process means no paperwork, and you can get insured instantly.
Protect Your Pet Today
Understanding what affects pet insurance prices helps you make the right choice for your cat or dog. Ready to get started? Visit Shory Pet Insurance to explore our plans. For any questions, call us at 800 SHORY (800 74679).
