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There are not that many insurers that operate in this space. The ones I’m aware of are all priced to the animal’s age and costs increase as the animal ages. This coverage is almost always “voluntary” which means there is no employer subsidy. Generally employer sponsored pet insurance is simply discounted retail coverage that gets list-billed to the ...


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At least in my experience, pet insurance doesn't "lock in" a rate; each year the premium can go up, with the age of the pet. There may be some benefit for wellness plans for having some length of coverage, simply because otherwise people sign up pets after they begin to have health issues; but for the most part the rates will increase as they age, ...


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