I’m going to be honest. Pet insurance is boring. There aren’t many dog-related phrases that could put me to sleep, but insurance is just one of those words that makes people tune out.

But having a new (or existing) pup – specifically a Samoyed – means that you have to consider the cost of vet bills at some stage. And what most people don’t want is an unexpected overnight visit, and the thousands of dollars that might come with it.

So what do you need to know about insurance for your Samoyed?

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What affects your premiums?

Before we delve into the actual costs, it’s important to have a good understanding of what makes your premiums cost as much as they do.

Essentially, every dog will cost a different amount to insure and this is for a few reasons:

1. Certain breeds are predisposed to certain health conditions.

Genetic conditions can impact the cost of insurance. The more predisposed a dog is to certain genetic conditions, the more it may cost to get insurance for them. This is because it’s more likely the insurer will have to cover the cost of a trip to the vet.

Samoyeds luckily aren’t very susceptible to many pre-existing conditions. But in particular they can sometimes get genetic kidney or cardiovascular diseases, although not as much as some other breeds.

Samoyed with a vet

2. A dog’s age can affect the cost.

While you can’t take out insurance before your puppy is eight weeks old, the longer you wait, the more your insurance premiums will go up. This is because the older your pooch gets, the more the vet bills will cost. So this is why prices go up as your Samoyed ages.

You also won’t be able to take out insurance for your dog after they turn eight or nine, so the earlier you do it the better.

So how much will it cost?

Honestly it can vary on so many factors but it’s quite easy to get a good idea of cost by just looking around online.

By averaging the price of a few major pet insurers, you can see that a comprehensive policy could cost around $885 per year.

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This may sound steep, but this is what can be included in a comprehensive policy:

  • Accident and injury treatments.
  • Treatment for things like snake bites, car accident wounds, and other incidents that are unexpected.
  • Routine care, including grooming costs.
  • De-worming, desexing, teeth cleaning, and even dog training courses
  • Some prescription diets

Also, that’s the price of the most expensive policy. Cheaper policies may sit around the $430 mark.

A cheaper policy means you’ll probably receive less benefits and the policy will likely exclude cover for injuries or other things such as grooming, which a comprehensive policy does cover. However, for the basics (vet bills), it does the job.

Samoyed on the beach

How can you cut costs?

There are a few ways that you can reduce your pet insurance premiums. As I’ve mentioned already, policy prices go up the older your dog gets. So the best way to save a bit of money in the long run is to jump on it as early as you can.

You can also compare policies online. This helps you get an overall view of prices and policies so that you can see what will be the best value for you. You can compare the various benefits and perks and also see what other policies lack, in order to make an informed decision.

Something else that can cut costs is choosing a cross-breed.

This may sound a bit silly if you already have a Samoyed, but if you’re in the market for a pet and you’re not sure what to go with, consider a dog that isn’t purebred. This will significantly reduce the cost of insurance due to more resistance to genetic conditions.

At the end of the day, insurance is a good way to protect your dog, but many people don’t consider it a necessity. Make sure you weigh up your options before you buy.