When your pet is in need of emergency medical care, it can be difficult to know where to turn. Knowing the location of the nearest emergency pet vet can help you ensure that your p...MetLife pet insurance offers nationwide, customizable coverage for cats and dogs. The company does not have any breed restrictions or age limits and is known for its easy claims process. We were impressed with MetLife’s customizable plans and simple claims process. The biggest drawback is that …If you have pets, you know just how well your vacuum cleaner works. (Or doesn't.) So does Dyson, which has engineered the best cordless vacuum for pet hair. Expert Advice On Improv...This discount is only available to individuals who are eligible members or employees of an entity that has arranged for MetLife Pet to offer pet insurance. 4 Reimbursement options include: 70%, 80% and 90% and a 50% option for MetGen policies. Pet age restrictions may apply. 5 Please note that MetLife Pet only …Oops, something went wrong. Please click on the link to try again in another window.2 Jan 2024 ... Accident and Illness Coverage. MetLife's “major medical plan” for pets covers accident- and illness-related medical expenses, including:.Jan 17, 2024 · In general, pet insurance can help cover vet bills due to covered accidents, injuries, and illnesses. Our coverage and exclusions page gives a detailed breakdown of what you can get with a MetLife Pet dog insurance policy (starting at $15 a month) or cat insurance policy (starting at $9 a month). 2 You can also view our Sample Policy for even ... Our pet policies cover a wide range of treatments, diagnostics, and care options. Take a look at some of the claims we’ve paid out in Oregon to get a better idea of how a MetLife pet insurance policy could help you. 12. About $2,000 paid — This assisted payment for a plasma cell tumor surgery for a 3-year-old Greyhound in Portland, OR. Pet health insurance can be very affordable and can reimburse pet parents for up to 100% of covered claims. MetLife policies start at $9 a month for cat insurance and $15 a month for dog insurance. 10 The cost of your pet insurance policy will vary based on your pet’s age, sex 11, breed, and location. Dec 28, 2022 · The cost of pet insurance doesn’t have to be expensive. MetLife’s policies start at $9 a month for cats and $15 a month for dogs. 8 From there, you have space to customize your coverage limit, deductible, and reimbursement rate, all of which will affect the price. Depending on where you live in Florida, your overall cost may vary. At MetLife Pet Insurance1, they get it — pets are like family. When a member of the family becomes sick or injured, you do whatever it takes to address it.Compare MetLife Pet Insurance with ASPCA, Nationwide, Trupanion, Embrace, Healthy Paws and Best Lemonade. See how MetLife Pet offers family plans, preventive care, deductible … MetLife Pet is the only provider to offer family plans for multiple pets, where you can cover up to three dogs and cats on the same insurance policy with a shared deductible. 1 Find out how pet insurance for multiple pets works in your favor to help you save money. With a simple navigation structure and a conversational interface - insurance has never been easier. Policyholders can submit claims within the app, eliminating ...MetLife Pet Insurance Costs. Here are some examples of policies for different dog and cat breeds to help you better understand MetLife’s pet insurance cost. These examples are based on the rates of 3-year-old female pets in the Los Angeles area (using the $250 deductible, 80% reimbursement, and $2,000 annual …All pet insurance policies have a waiting period before coverage kicks in. This generally starts from the date you purchase the policy. Any surgery your pet needs during the period won’t be covered. MetLife’s accident coverage kicks in right away, but the illness coverage won’t be active for 14 days. Knee surgeries have a 6-month waiting ...MetLife’s enhanced pet health and wellness ecosystem is built on Microsoft Azure and provides pet parents with a range of new features to keep their pets healthy and happy: Manage pet insurance: Securely view policies, chat live with customer service, edit pet profiles, and submit and track claims. Access live 24/7 … Pet health insurance can be very affordable and can reimburse pet parents for up to 100% of covered claims. MetLife policies start at $9 a month for cat insurance and $15 a month for dog insurance. 10 The cost of your pet insurance policy will vary based on your pet’s age, sex 11, breed, and location. The mission to increase pet insurance awareness. MetLife and Snoopy had a more than 30-year partnership through 2016. MetLife entered the pet insurance category in 2020, prompting a review of how to best address the need for consumer recognition of this fast-emerging category. Establishing a new relationship with the beloved beagle was a …Pet Parents can the MetLife pet app to: -File a claim. -Submit claim documents. -Check claim status. -View coverage & remaining plan limits. -View messages and receive alerts on the status of your claims. -Manage pet insurance and your pet’s health records. -Access live 24/7 Telehealth Concierge chat*. … MetLife Pet Insurance Solutions LLC is the policy administrator authorized by IAIC and MetGen to offer and administer pet insurance policies. MetLife Pet Insurance Solutions LLC was previously known as PetFirst Healthcare, LLC and in some states continues to operate under that name pending approval of its application for a name change. Welcome to MyPets. The MetLife Pet Family sends our best wishes for the health and safety of all those (whether two or four legged) impacted by the wildfires in Hawaii and Hurricane Idalia in Florida. Our team is here to help where we can. Please contact our team for premium and/or claims assistance at (866) 937-7387. Log In. A standard pet insurance policy with MetLife Pet can help you save money on care if your pet experiences an accident or illness that affects their dental health. Plus, when you add on our Preventive Care plan, you can save even more on their teeth cleanings and associated routine dental care. 2 Take a look at some real-life …22 Aug 2022 ... MetLife's coverage includes no waiting periods for wellness and accident coverage, which means that your benefits go into effect as soon as you' ...Dec 22, 2022 · The average emergency vet bill for a cat can range from $600 to $3,000 with the cost of emergency care for dogs even higher, up to $5,000 just for surgery. 8 If you’re paying the 2021 average pet insurance monthly premium for your cat ($29) or dog ($49), your policy may pay for itself after just one emergency vet bill. MetLife covers prescription pet food from a veterinary provider under its standard accident and illness plan in most states. Nationwide’s prescription food coverage.MetLife Pet Insurance offers affordable, flexible and comprehensive coverage for dogs and cats of all ages. Get up to 90% of your vet bills reimbursed, use any licensed vet in the U.S., and …MetLife’s new pet insurance offers a range of features at highly competitive rates available to dogs and cats of all ages and breeds. These features include innovative benefits …Mar 15, 2022 · MetLife Pet Insurance is introducing an exciting new rewards program – in partnership with LifeBalance, a discount network for employees and health plan members – to provide pet parents access to discounts and offers on pet care essentials. Pet parents are spending more than $4,500 annually on pet care, according to MetLife and OnePoll ... 5 Deductible options range include: $0 – $750 in $50 increments and $1,000, $1,250, $1,500, $2,000 and $2,500. 6 For IAIC policies only. 7 Your pet’s deductible automatically decreases by $25 (IAIC policies) or $50 (MetGen policies) each policy year that you don’t receive a claim reimbursement. May not be available in all states. About MetLife Pet Insurance. MetLife is a top name in the insurance world, having provided policies for humans for more than 150 years. The company is seasoned in the pet insurance business as well, covering our furry friends for the past 15 years, which is much longer than a lot of other names in the industry. In addition, MetLife Pet Insurance Healthcare will disclose your personal information as permitted by law, without notice, and if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on MetLife Pet Insurance Healthcare; (b) protect and ... A MetLife pet insurance plan can cost as low as $9 per month for cats and $15 per month for dogs.12But your monthly premium depends on a few factors, including where you live. Generally speaking, you may pay more for pet insurance the closer you live to the heart of D.C. The MetLife Pet App. Learn more about the MetLife Pet app, and see how it works! Use the MetLife Pet app to: Manage your pet insurance. View your policy information and benefits. …Step 2: Customize Your Plan. Build a plan that best fits you and your pet's needs. You can select from MetLife's Most Balanced, Most Popular, or High Deductible option. You can quote up to 3 pets at a time. For 4 or more pets, call (800) 438-6388. Add-ons are available, such as Preventative Care for routine checkups.Pet insurance can reimburse you for covered medical expenses ranging from emergency surgeries to prescription medications. Here are seven benefits of having pet insurance and how it can make your life easier. 1. You can focus on your pet's health. Whether you're rushing to the emergency vet in the …13 Jan 2023 ... NEW YORK--(BUSINESS WIRE)--As pet ownership levels in the United States continue to reach new heights, MetLife Pet Insurance announced today it ...If you’re one of the 90.5 million households that own a pet, doing everything you can to ensure your furry friend’s health is often a priority. However, with veterinary care costs ...MetLife Pet Insurance offers Ohio pet families comprehensive coverage. From our basic injury and illness plans to add-ons like the Wellness Plan and the Preventative Care Plan, we can help cover your pets. 8. Our standard dog insurance and cat insurance policies can typically cover the following: Diagnostic …Feb 6, 2023 · Pet insurance plans start as low as $9 per month for a cat and $15 per month for a dog. 3. Up to three cats and/or dogs can be covered under the same plan with a single deductible. 4. MetLife Pet Insurance covers all licensed vets in the U.S. There are no breed exclusions or age limits for coverage. Claims are typically processed and reimbursed ... 5 Deductible options range include: $0 – $750 in $50 increments and $1,000, $1,250, $1,500, $2,000 and $2,500. 6 For IAIC policies only. 7 Your pet’s deductible automatically decreases by $25 (IAIC policies) or $50 (MetGen policies) each policy year that you don’t receive a claim reimbursement. May not be available in all states. This discount is only available to individuals who are eligible members or employees of an entity that has arranged for MetLife Pet to offer pet insurance. 4 Reimbursement options include: 70%, 80% and 90% and a 50% option for MetGen policies. Pet age restrictions may apply. 5 Please note that MetLife Pet only …When your pet is in need of emergency medical care, it can be difficult to know where to turn. Knowing the location of the nearest emergency pet vet can help you ensure that your p...MetLife Pet has a 0-day waiting period for accident coverage, 7 while Pets Best has a 3-day waiting period. 1. Family plans: If you have multiple pets, you can save on costs by insuring up to three furry friends on the same MetLife Pet policy with a shared deductible.The MetLife Pet Family sends our best wishes for the health and safety of all those (whether two or four legged) impacted by the wildfires in Hawaii and Hurricane Idalia in Florida. Our team is here to help where we can. Please contact our team for premium and/or claims assistance at (866) 937-7387. Log In. Register Your Account.Pet: MetLife Pet can cover dogs and cats of any age, breed, and sex 12, but all of these factors could affect the cost of your monthly premiums. Coverage: Pet insurance plans aren’t one size fits all, which is why MetLife Pet offers many different coverage options. You can include our Preventative Care and Wellness …Dec 20, 2023 · Pet owners can customize the policy to the one that best meets their pet’s needs and their budget. This same policy with a $50 deductible, $10,000 annual benefit and a 90 percent reimbursement ... It depends on your pet’s breed, age, location, your financial standing, and the kind of coverage you need. To better understand how the chart above relates to your unique pet’s breed-specific risks, use Pawlicy Advisor to instantly analyze Pets Best, MetLife, and other top providers. In 5 minutes or less you’ll understand which …Compare MetLife Pet Insurance. Comparison Fact Sheet (Dogs and Cats) Updated 1/30/2024. To get the most from these sheets, please ...Owned by MetLife Company, Hyatt Legal Plans give employees legal coverage for life’s important moments. A white paper revealed that employees were likely to need legal services for...MetLife. Insurance Pension & Profit Sharing Plans Investment Securities. (336) 348-6720. 416 S Main St. Reidsville, NC 27320. 3. MetLife. Insurance Pension & Profit Sharing Plans …8 Jan 2024 ... Nationwide and MetLife pet insurance are both reputable providers, but they have different coverage options and pricing structures. Nationwide ...Sep 1, 2023 · Pet insurance can reimburse you for covered medical expenses ranging from emergency surgeries to prescription medications. Here are seven benefits of having pet insurance and how it can make your life easier. 1. You can focus on your pet's health. Whether you're rushing to the emergency vet in the middle of the night or had weeks to plan for a ... MetLife’s enhanced pet health and wellness ecosystem is built on Microsoft Azure and provides pet parents with a range of new features to keep their pets healthy and happy: Manage pet insurance ...It depends on your pet’s breed, age, location, your financial standing, and the kind of coverage you need. To better understand how the chart above relates to your unique pet’s breed-specific risks, use Pawlicy Advisor to instantly analyze Pets Best, MetLife, and other top providers. In 5 minutes or less you’ll understand which …This discount is only available to individuals who are eligible members or employees of an entity that has arranged for MetLife Pet to offer pet insurance. 4 Reimbursement options include: 70%, 80% and 90% and a 50% option for MetGen policies. Pet age restrictions may apply. 5 Please note that MetLife Pet only …Personal Account. Helps to manage your group (MyBenefits) and personal benefits. MetLink Portal. Allows you to administer employee benefits as an employer. MyPets Login. Grants MetLife Pet Insurance holders easy access to view and manage their customized pet care plan. MetDental.MetLife Pet Insurance. 3.3. Rating. Key Takeaways: Accident coverage begins on the effective date of your policy. No upper age limit for enrollment. About MetLife Pet …MetLife Pet won "Pet Insurance of the Year" in the 2023 Pet Independent Innovation Awards, so it may be a good choice for pet parents living in South Carolina. At MetLife Pet, we understand the stress that can come with a visit to the vet. That’s why we’ve designed our pet insurance plans with you and your furry family in mind.Jun 2, 2023 · MetLife Pet Insurance Costs. Here are some examples of policies for different dog and cat breeds to help you better understand MetLife’s pet insurance cost. These examples are based on the rates of 3-year-old female pets in the Los Angeles area (using the $250 deductible, 80% reimbursement, and $2,000 annual benefit option). Feb 18, 2024 · In This Review. MetLife Pet Insurance offers one of the most comprehensive accident and illness insurance plans, even covering cruciate ligament, hereditary, and congenital conditions with a waiting period. You also have more choices in annual deductible, as low as $50, with a diminishing deductible discount each year you go without a claim ... MetLife Pet Insurance offers a 0-day waiting period for accident coverage,7while Embrace has a 2-day waiting period.1. Family plans:MetLife Pet is the only provider that allows you to have up to three pets on the same plan with a shared deductible.Pet Insurance. MetLife Pet Insurance Review. Accident and illness pet insurance with no per-incident limits. By Jacqueline DeMarco. Updated July 21, 2022. Reviewed by Eric …MetLife is a newer name in the pet insurance industry, which means there’s only a little history to get a complete idea of what to expect from the company. Other providers often have lower prices, better coverage, and more stable reputations. Our pet insurance experts read through each pet insurance …Add Your Pet for a Quote - MetLife Pet Insurance: Quote Funnel. 866-937-7387. Exit. Protect your furry family member from the unexpected. Start now: Tell us more about your best friend. …MetLife Pet Insurance offers one of the most comprehensive accident and illness insurance plans, even covering cruciate ligament, hereditary, and congenital conditions with a waiting period. You also have more choices in annual deductible, as low as $50, with a diminishing deductible discount each year you …A MetLife Pet Insurance policy can cost as low as $9 per month for a single cat and $15 per month for a single dog. 11 This is just the baseline policy though, the cost of your pet insurance policy will depend on where you live and a few additional factors. It depends on your pet’s breed, age, location, your financial standing, and the kind of coverage you need. To better understand how the chart above relates to your unique pet’s breed-specific risks, use Pawlicy Advisor to instantly analyze Pets Best, MetLife, and other top providers. In 5 minutes or less you’ll understand which waiting ... Here are some of the reasons you may find MetLife Pet to be a great option for the best pet insurance in Alabama: Family plans allow you to add up to three pets on one policy with a shared deductible. 3. There are no age or breed exclusions. Claims are processed quickly, typically within 10 days. 4.Mar 15, 2022 · MetLife Pet Insurance is introducing an exciting new rewards program – in partnership with LifeBalance, a discount network for employees and health plan members – to provide pet parents access to discounts and offers on pet care essentials. Pet parents are spending more than $4,500 annually on pet care, according to MetLife and OnePoll ... MetLife Pet Insurance Healthcare also uses your personally identifiable information to inform you of other products or services available from MetLife Pet Insurance Healthcare and its affiliates. MetLife Pet Insurance Healthcare may also contact you via surveys to conduct research about your opinion of current services or of …Our pet policies cover a wide range of treatments, diagnostics, and care options. Take a look at some of the claims we’ve paid out in Oregon to get a better idea of how a MetLife pet insurance policy could help you. 12. About $2,000 paid — This assisted payment for a plasma cell tumor surgery for a 3-year-old Greyhound in Portland, OR.For example, say you buy pet insurance for your dog and cat through Pets Best. The monthly premiums for your dog and cat are $41.58 and $24.88, respectively, before your 5% multi-pet discount ...Dec 28, 2022 · The cost of pet insurance doesn’t have to be expensive. MetLife’s policies start at $9 a month for cats and $15 a month for dogs. 8 From there, you have space to customize your coverage limit, deductible, and reimbursement rate, all of which will affect the price. Depending on where you live in Florida, your overall cost may vary. MetLife Pet Insurance Solutions LLC is the policy administrator authorized by IAIC and MetGen to offer and administer pet insurance policies. MetLife Pet Insurance Solutions LLC was previously known as PetFirst Healthcare, LLC and in some states continues to operate under that name pending approval of its application for a … MetLife - Log in to your account ... Loading... MetLife Pet Insurance Solutions LLC is the policy administrator authorized by IAIC and MetGen to offer and administer pet insurance policies. MetLife Pet Insurance Solutions LLC was previously known as PetFirst Healthcare, LLC and in some states continues to operate under that name pending approval of its application for a name … Welcome to MyPets. The MetLife Pet Family sends our best wishes for the health and safety of all those (whether two or four legged) impacted by the wildfires in Hawaii and Hurricane Idalia in Florida. Our team is here to help where we can. Please contact our team for premium and/or claims assistance at (866) 937-7387. Log In. Dec 7, 2023 · MetLife Pet offers a 0-day waiting period on accidents and our optional preventive care plan, and a 14-day waiting period on illnesses. 8. Learn More About Pet Insurance. Pet insurance can be a great option to help you financially prepare for pet health care expenses. MetLife Pet has dog insurance and cat insurance policies available. MetLife Pet Insurance plans can start at $9 per month for a cat and $15 per month for a dog, but the cost of pet insurance can vary depending on a few factors. 10 You can expect to pay more if you add on additional pets to your plan, or if you opt in for more comprehensive coverage. Typically, you may also pay more for veterinary costs if you ...MetLife sells pet insurance in all 50 states and Washington, D.C. Availability may change at any time. Coverage may not be available to all pets in a given state. MetLife pet …MetLife Pet Insurance offers affordable, flexible and comprehensive coverage for dogs and cats of all ages. Get up to 90% of your vet bills reimbursed, use any licensed vet in the U.S., and …Feb 18, 2024 · In This Review. MetLife Pet Insurance offers one of the most comprehensive accident and illness insurance plans, even covering cruciate ligament, hereditary, and congenital conditions with a waiting period. You also have more choices in annual deductible, as low as $50, with a diminishing deductible discount each year you go without a claim ... MetLife Pet has a 0-day waiting period for accident coverage, 7 while Pets Best has a 3-day waiting period. 1. Family plans: If you have multiple pets, you can save on costs by insuring up to three furry friends on the same MetLife Pet policy with a shared deductible.Each policy is individualized, and MetLife Pet Insurance is the place to go with any and all questions related to this benefit. Please reach out directly to MetLife for all questions related to Pet Insurance. Their friendly pet advocates are here to help you get on the right track! MetLife Pet Insurance. 1-800-GETMET8 (1-800-438-6388)Dec 7, 2023 · To see if your pet’s condition is covered, start with a free quote from award-winning 2 MetLife Pet Insurance. And if you still have questions, call our pet care experts at (855) 270-7387. And if you still have questions, call our pet care experts at (855) 270-7387. MetLife (formerly PetFirst) is the preferred pet insurance partner of Continental Kennel Club. Get MetLife pet insurance protection when you register with ...New Jersey pet insurance premiums don’t have to break the bank. MetLife offers policies that start at $9 a month for cats and $15 a month for dogs. 9 However, since MetLife’s policies are highly customizable, the actual cost of your pet health insurance varies from there based on a few factors: How many pets on the …According to MetLife’s research with CivicScience, 70% of full-time employees have one or more pets, and almost 25% of full-time employees plan to get a pet within the next year. 3 With so many pet parents in the workforce, it’s no wonder employers are starting to offer pet insurance as a voluntary benefit to …
27 Feb 2023 ... Things We Like · MetLife Pet insurance makes it simple to get coverage for dogs and cats of every breed…even senior pets, who are often denied .... Hdfc netbanking online banking
In exchange for a monthly premium, you can get reimbursed for up to 90% of the cost of covered services your pets may need. 8. How much is a monthly premium? MetLife Pet plans start at $9 per month for one cat and $15 per month for one dog. 9 However, other factors can impact your monthly payments.MyPets is a platform for MetLife pet insurance customers to access their policies, claims and documents online. To log in, you need to register your account first and follow the security tips …With MetLife Pet, an insurance policy can cost as low as $9 per month for one cat and $15 per month for one dog. 4 This can vary, however, and your zip code may make a difference. For instance, residents of larger cities, like Nashville, may have a higher rate than those who live in smaller areas, like Selmer.In exchange for a monthly premium, you can get reimbursed for up to 90% of the cost of covered services your pets may need. 8. How much is a monthly premium? MetLife Pet plans start at $9 per month for one cat and $15 per month for one dog. 9 However, other factors can impact your monthly payments.26 Sept 2021 ... 1. Pet Insurance offered by MetLife Pet Insurance Solutions LLC is underwritten by Independence American. Insurance Company (“IAIC”), a Delaware ...Typical MetLife Pet Insurance can cost as low as $9 per month for cats and $15 per month for dogs. 11 In exchange, you can get reimbursed for up to 90% of the cost of covered healthcare. 12 But it’s important to note that your monthly premium depends on a few factors, including where you live.MetLife Pet Insurance Solutions LLC is the policy administrator authorized by IAIC and MetGen to offer and administer pet insurance policies. MetLife Pet Insurance Solutions LLC was previously known as PetFirst Healthcare, LLC and in some states continues to operate under that name pending approval … In addition, MetLife Pet Insurance Healthcare will disclose your personal information as permitted by law, without notice, and if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on MetLife Pet Insurance Healthcare; (b) protect and ... MetLife pet insurance offers nationwide, customizable coverage for cats and dogs. The company does not have any breed restrictions or age limits and is known for its easy claims process. We were impressed with MetLife’s customizable plans and simple claims process. The biggest drawback is that …The price of MetLife pet insurance varies based on a few different factors, such as your dog’s size, age, and breed. You also pay more for more comprehensive plans. For example, a three-year-old male cockapoo costs between $24.11 and $48.80 per month to insure. The lower-end plan offers a $2,000 …Below are the five companies we recommend for affordable pet insurance. Click on the company name or keep scrolling for more details on each. Lemonade: Cheapest for dogs. Figo: Cheapest for cats ...As a pet owner, finding the right flooring for your home can be a challenging task. You want something that is not only stylish and durable but also pet-friendly. Pets can be tough...Jan 17, 2024 · In general, pet insurance can help cover vet bills due to covered accidents, injuries, and illnesses. Our coverage and exclusions page gives a detailed breakdown of what you can get with a MetLife Pet dog insurance policy (starting at $15 a month) or cat insurance policy (starting at $9 a month). 2 You can also view our Sample Policy for even ... With MetLife Pet Insurance, you can help support your employees’ evolving needs by offering pet insurance as a benefit. This may save them money and can help ease the financial stress of …If you’ve ever looked into buying a pet such as a dog or cat, you may have been surprised by the price. Buying a pet from a breeder or store can easily cost several hundred or even...MetLife Pet Insurance plans can start at $9 per month for a cat and $15 per month for a dog, but the cost of pet insurance can vary depending on a few factors. 10 You can expect to pay more if you add on additional pets to your plan, or if you opt in for more comprehensive coverage. Typically, you may also pay more for veterinary costs if you ...MetLife Pet can cover this fee, while Trupanion typically doesn’t. 1. Family plans: MetLife Pet is the only pet insurance offering family plans that can cover up to three pets on a single policy with a shared deductible. 9 You can even put your cats and dogs on the same policy!Adult-onset heart disease is usually an acquired disorder of the heart found in adult cats. 1 Nearly two-thirds of cats with heart disease have what’s called cardiomyopathy: a thickening of the muscle that encloses the ventricles. 2. Adult-onset cardiomyopathy can be further divided into three categories: hypertrophic, …Feb 7, 2023 · MetLife Pet is proud to offer affordable insurance policies starting at $9 per month for cats and $15 per month for dogs. 9 However, there are a few factors that may affect how much your pet insurance can cost: Age: Older pets will typically have higher premiums than younger pets. .