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Pet care insurance costs can vary by the age, physical condition, and even location (indoor or outdoor) of the pet. However, there are other variables that can add to or reduce the cost of a policy. Some policies include coverage for wellness, such as vaccinations and examinations, while others do not. If your pet has special health care concerns, many companies offer additional riders (such as a cancer rider) to ensure your pet is fully covered. Be sure you understand all the benefits available to you when you sign up for a pet care insurance policy, and make a note of benefits that might be applicable in the future.