Best Insurance For Your Pet

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Choosing the right insurance for your pet is very important. It will give you peace of mind should the worse happen and your pet becomes ill. With vets fees increasing this has become even more important.

If you own a pet, it’s vital to get pet insurance. A good pet insurance policy will cover you for medical expenses should your pet become ill or it is injured in an accident. For just a small amount of money, you could fully protect your pet against any such scenarios; however, insurance policies won’t usually cover routine visits to the vet or any events that you could have predicted i.e. routine vaccinations or neutering. It is still important to get pet insurance though, as costs can soon mount up if your pet suddenly becomes ill or has an injury, and in some cases, owners are left with a devastating choice as they simply cannot afford the bills.

Where To Start

So, how should you go about finding the best pet insurance policy? The most important recommendation is to shop around for the best deal. A wide range of companies now offer insurance for pets, so you are bound to find the best pet insurance for your pet(s) with a little research. As insurance companies need to compete for customers, you may find that they offer a range of deals for customers i.e. “first 3 months free” – this can be a cost effective way to budget for your pet insurance, but always make sure that you fully understand the terms and conditions before you purchase a pet insurance plan. A low or free introductory offer can be great, but the premium may then jump up substantially over a longer term – so don’t be fooled by enticing initial offers!

Details

You will also need to understand exactly what a pet insurance policy will cover your pet for, and what it won’t. Top level policies will generally offer lifetime cover and reinstate benefits at the start of each year – this kind of policy is generally the most comprehensive cover that you can get for your pet(s). With this kind of plan, if you continue to renew your policy every 12 months, you may be able to claim up to the full vet fees benefit each year, even in the case of a recurring or ongoing illness (for example if your pet develops a long-term medical condition such as arthritis or a skin condition).

Limits Per Condition

Mid-level pet insurance policies will generally offer treatment up to a certain amount of money, for an unconditional amount of time. For example, if your policy has a £5,000 limit per condition, you will be required to pay any amount that occurs on top of this set limit. To this end, mid-level pet insurance policies are generally cheaper to buy than lifetime/top level policies. Finally, you can get a number of cheaper policies, but these will generally limit cover to a maximum period of 12 months per condition. These ‘low-level’ policies can be the best kind to buy for owners who are concerned about initial costs of treatment after an injury or illness – but they do not serve as a long-term plan. Also check for multiple pet discounts, many companies offer these, and they can be a great money-saving option.

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 Find The Best Travel Insurance

    Travel insurance is so important so check out our guide to gettting the best insurance at the right price.
  • Compare Travel Insurance Policies

    If you want to look and compare travel insurance policies online, make sure you get the best quote and sign up right there and then, check our guide to get the essentials right.
  • Pet Insurance

    Discover the range of pet insurance products out there for dogs cats & horses. From well known companies like Pet Plan through to Virgin - check our brief guide before you do anything
  • 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?
  • How To Insure Your Pet For Less

    Pet insurance can wotk out quite expensive so how can you find a good deal?

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