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Despite the best of care, your furry friends are likely to become ill at some point, but by insuring your pet's health you are guaranteed to be able to afford potentially expensive medical bills in the event of illness or injury. With an estimated 1 in 3 pet owners needing to claim for vet treatment, and with the rising cost of animal medical care, pet insurance is more of a sensible investment than ever before. Pet insurance can be tailored to the needs of the individual animal, so whether they need lifelong pet insurance, annual cover or cover for specific conditions, there will be a policy to suit your pet. More info
So what do the different types of pet insurance entail? Lifelong pet insurance allows a maximum annual cover limit, and this renews each year to ensure that your pet is always covered. You would pay the premium annually (although it can be broken down into monthly payments). Due to the comprehensive cover, this is the most expensive type of pet insurance. As the name suggests, annual pet insurance will cover your pet for a full twelve months, with a full medical examination at the start of the policy to ensure that any pre-existing conditions are accounted for. The third type of pet insurance provides a pre-agreed maximum cover limit for a specified medical condition. Check with your vet about the type of cover that would be best for you, or search for cover online by clicking on the link below. Less
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The Basics of Pet Insurance
- You should always look for certain aspects of cover when shopping around for comprehensive pet insurance. These should include vet fees and boarding fees if the animal needs to stay over for treatment.
- If your animal is lost or stolen, you should expect cover that would help you pay for advertising and/or a reward.
- Should your animal damage someone's property accidentally or cause harm to anyone else, the pet insurance should cover you for both accidental damage and third party liability.
- Beyond these points, you should be able to pick and choose the types of cover that your animal needs. The cover that you decide to go for will depend on the breed and age of the animal, any pre-existing medical conditions and the length of time for which you wish your pet to be covered.
Make sure you read the policy small print carefully, and take particular care to check for exclusions that may affect your level of cover.
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