 TITLE: Do You Need Pet Insurance? CONTENT: How to Save Money on Pet Insurance\n----------------------------------\nIf you opt to take out pet insurance, there are ways to reduce your overall costs.\n1.  Pay a higher deductible. This can lower your monthly premiums, but you may want to create an emergency fund for your pet with enough money to cover the deductible in case he or she needs urgent, high-cost care.\n2.  Look for a young pet. If you're still looking for a new pet and want to reduce your costs, getting a younger animal may help keep your premiums lower. An older animal may have age-related issues, so insurers typically charge more to cover them.\n3.  Look for deals. Talk with your current insurance provider about whether they can give you a bundling discount or another deal on a pet policy. You may also want to call different insurers directly, rather than just getting online quotes, and asking about any discounts or deals they may provide that aren't advertised on their sites.\nPaying attention to your animal's overall well-being can also help you save, not to mention give you more options when it comes to qualifying for insurance. Keeping your pet at their vet-recommended weight and making sure they get plenty of exercise and affection may also help them stay healthy. And the longer they are healthy and loved, the longer they will be your trusted companion and a joyful part of your life. END