Pet Insurance

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It is really important to insure your pet so that should the worse happen you are able to pay the vets fees.

Before you rush to insure your beloved pet, it's worth looking at what pet insurance will cost you in the long term. It costs between £50 and £500 a year to insure a dog, and £30 to £200 to insure a cat.

Consider What You Need

So, over the life of your pet, you could pay out more than £5,000 for pet insurance you may never actually need. If your dog or cat is older than about eight, it's likely you'll pay even more to insure it, and the excess (the amount you pay if you make a claim) is often higher for older pets, too. Some insurers will also make you pay a percentage of the value of any claim - on top of the excess.

What Affects Costs

Some dog breeds can be especially expensive to insure, and you might have to pay more to insure a pedigree animal. Where you live can also affect the cost, mostly because of the higher vets' fees in certain areas, such as southeast England. Another, less predictable, cost is the potential increase in premiums after you've made a claim.

Pet insurance certainly gives you peace of mind - but policies are expensive and, once you've made a claim, premiums can rise. It's hard to predict the likelihood of your pet being ill or injured, but you might prefer to simply save the money and pay for treatments if the need arises.

Once you've made a claim, don't assume that it makes sense to carry on with the insurance. You may be better off paying for the treatment yourself if the premium and your contribution to the bill are more than the cost of treatment. Of course, if you stop paying the premiums, your pet won't be covered for any other illnesses.

Shop Around

It makes sense to shop around for a good policy but, if your pet's older than about eight, your options are limited. And switching insurer means losing cover for any existing illnesses.

 

Useful Websites

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  • Pet Plan Insurance
    If you need to insure your pet (read dog, cat, or rabbit) against all manner of vets fees, then Pet Plan is the insurance for you.
  • Types of Dogs
    iDogs.co.uk for advice on types of dogs, breeds and breeding information as well as puppies, kennels, & caring for your Dalmation, Labrador, Alsatian or Poodle!
  • Add Your Website Here

Further Reading

  • How To Insure Your Pet For Less

    Pet insurance can wotk out quite expensive so how can you find a good deal?
  • The Truth About Pet Insurance

    Millions of Britains have pets that they insure each year but with rising premiums and complaints about pet insurance policies what is it important to know?
  • Best Insurance For Your Pet

    Choosing the best insurance for your pet is an important choice - make sure you have right cover as it could cost you thousands otherwise.
  • A Guide to Funeral Insurance

    Want to be properly covered? Check this guide for funeral insurance and make sure you're buying the right cover for you.
  • A Guide to Private Health Insurance

    Read about Aviva private health insurance - a name you can trust for health insurance, personal cover and general health and wellbeing insurance cover.

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