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