When you browse pet insurance prices, you may notice that policy prices differ between zip codes. Costs of living in certain areas often influence the price of pet insurance. Other factors that can affect how much money you spend include your pet’s breed and age. The company and level of coverage that you want will also change the price.

1. Zip Code

Your zip city’s cost of living influences the price of practically everything you buy. The more it costs to live in an area, the more money you can expect to spend on pet insurance.

2. Species

Generally, dogs cost more to insure than cats. As a species, dogs tend to get hurt more often than cats. They readily chomp on objects they find in the yard, and they chase after animals in the park. Most cats have finicky natures that make them less prone to illness and injury.

3. Breed

Your pet’s breed may put it at a higher risk of getting certain illnesses. For instance, hip dysplasia occurs more frequently in German Shepherds, Boxers, and Labrador Retrievers than it occurs in Beagles, Poodles, and Pomeranians.

All breeds have their own risks. Some genetic illnesses cost more to treat than others, though, so your pet’s breed will affect your insurance premium.

4. Age

The older an animal gets, the more likely it is to experience an illness or injury. This reality forces pet insurance companies to charge higher premiums for older animals.