Prices vary widely but on average you can expect to pay around $35 per month for dogs and $15 per month for cats.

Adding on a wellness plan typically costs a little more but will cover your routine care items. One of the best ways to keep your premium low but still provide maximum protection is to choose a policy with a high-deductible and a high annual maximum.

You shouldn't compare pet insurance plans based on price alone though. In general, plans that cost more also cover more and reimburse you more when you claim.

American Modern Pet Insurance also offers discounts for things like:

  • Enrolling multiple pets
  • Paying annually for your policy instead of monthly
  • Spaying or neutering your pet
  • Being full-time in the military
  • Enrolling a service pet (like a guide dog for the sight impaired)
  • Enrolling through your company with an employee discount

With everyone facing tight budgets these days, a customizable plan from American Modern helps you get affordable pet insurance without sacrificing coverage.