| People normally take out pet insurance | | | | There? |
| to cover the bills for serious | | | | Most pet insurance companies provide |
| veterinary treatment as this can become | | | | several policies from the basic through |
| very expensive. So expensive in some | | | | to premium plans that provide cover for |
| cases that the animal has to be put down | | | | every aspect of your pet's medical care. |
| as the owners cannot afford the | | | | You need to decide how much care is |
| treatments. Pet insurance ensures this | | | | right for your pet and then pick a |
| does not happen as the insurance company | | | | policy that closely matches your |
| pays the medical expenses, which leaves | | | | requirements. As with other insurance |
| you time and energy to nurse your pet | | | | policies, the higher the premium, the |
| back to good health. | | | | more cover that is provided. |
| What Is Pet Insurance? | | | | It is important to look out for the |
| Pet insurance is a policy that covers | | | | following main points to see if they are |
| your household pets and is mainly used | | | | covered in the pet insurance policy: |
| for dogs and cats. Most pet insurance | | | | 1. Cover for life or fixed term |
| will pay for the vet costs if your pet | | | | 2. Vet Fees |
| has an accident or is taken ill. Pet | | | | 3. Death from illness |
| insurance can also provide 3rd party | | | | 4. Accidental Damage |
| protection for any damage your pet cause | | | | 5. The policy excess |
| to other people's property and cover | | | | 6. Dental treatment? |
| other expenses such as travel, emergency | | | | 7. Third Party Liability & legal |
| kenneling costs, theft and even death. | | | | expenses |
| Pet insurance also gives you peace of | | | | 8. Death from accident, theft or |
| mind, knowing that your pet will always | | | | straying |
| get the best possible medical treatment | | | | 9. How much of the vet bills are |
| available. | | | | covered. 70 - 100% |
| On average one in every three pets need | | | | 10. Emergency treatments, X-rays, lab |
| treatment from a veterinary each year | | | | fees etc |
| following injury or illness and more | | | | Like with people, many pet insurance |
| than 50% of the visits to the veterinary | | | | companies require your pet to have a |
| clinic are unplanned due to sudden | | | | medical exam . This is so the insurer |
| illness or an accident. Treatment for | | | | can manage their risk and keep premiums |
| broken legs, spinal injuries, hip | | | | down as they are not providing cover for |
| treatments and internal complaints can | | | | animals that are on deaths door and |
| quickly run into thousands of pounds, | | | | having to payout on an animal that are |
| especially if medication or x-rays are | | | | known to be dying. The insurance |
| needed. There are also the unforeseen | | | | companies will often put a cap on the |
| associated costs that may be incurred | | | | total amount they will pay on a policy |
| like court costs (you are liable if your | | | | either in any given year or on any one |
| dog causes an accident) and holiday | | | | type of illness. If your pet has a |
| cancellations. All of these can quickly | | | | pre-existing medical condition, you may |
| add up. | | | | struggle to find an insurance company |
| Many pet health insurance companies only | | | | that will provide cover. |
| cover dogs and cats as a rule. However, | | | | The best way to save money on your pet |
| there are some companies that also | | | | insurance is to shop around and compare |
| provide cover for other animals such as | | | | prices. Check at least 3 separate |
| horses, exotic birds, reptiles and | | | | insurance companies to compare pricing |
| rodents. | | | | and terms to make sure you get the best |
| What Types Of Pet Insurance Policies Are | | | | deal. |