WHAT TO KNOW

Here are some questions and answers about pet health insurance:

Q: Do some animals cost more to insure than others? A: Cats are generally less expensive to insure than dogs. The average accident and illness premium in 2017 was about $45 a month for dogs and $28 a month for cats, according to the pet health insurance association. Because some purebred animals are prone to certain health problems, some insurers may charge higher premiums for them.

Most, but not all, insurers limit coverage to common household pets. Nationwide, Liles said, offers coverage for birds, hamsters and more exotic pets, including tarantulas and even hedgehogs.

Q: What if I can’t afford pet insurance?

A: Local animal shelters may offer basic services, like rabies vaccinations or spaying and neutering operations, at a discounted rate. The Humane Society of the United States lists groups that can help owners who can’t afford medical care for their pets.

Another option is to put money away each month — perhaps the amount of the premium you would pay — into a dedicated savings account so you will have some funds available for pet care if you need it.

Q: What if I’m unhappy with my pet insurance policy? A: Insurance products are generally regulated by state governments, so you may want to contact your state insurance commissioner about your concern. The National Association of Insurance Commissioners offers information about pet insurance and links to regulators in each state.