Pet Insurance – An Introduction
Most people take out a pet insurance policy to provide cover for unexpected vet bills. This can provide you with peace of mind, knowing that if your pet has an accident or becomes ill, you will not be faced with vet fees you cannot afford to pay.
Unfortunately pet insurance is not as simple as most other insurances. If you are to get the best pet insurance for your pet you have some research to do and decisions to make.
Types of Pet Insurance
One of the most important choices you have to make regarding your pet insurance policy is the type of vet fees cover you need.
These range from accident policies which will pay for the treatment of accidents (often for only 12 months after the accident happened) to lifetime policies which will allow you to claim up to the cover limit each year and will continue to pay for treatment throughout the lifetime of the policy.
Vet Fees Your Policy Won’t Pay
Unfortunately your pet insurance policy will not pay for all your vet fees. Policies do vary but you generally find that you have to pay veterinary fees for pre-existing conditions, routine and preventative treatments, elective or cosmetic treatments, and any treatments which are considered non-essential or excessive.
Pet Insurance on Comparison Sites: Facts & Tips
Many people now use price comparison sites to get insurance quotes.
However pet insurance is complex and it is important you take care when getting quotes from these sites, or you may easily end up with a policy which doesn’t meet your needs.
Third Party Liability Cover
You are legally responsible for any accident your dog may cause. (You are not legally responsible for the actions of your cats, so this cover only applies to dogs.)
Many policies will pay a “death benefit” in the sad event of your pet dying. Although this may feel “wrong” it can help to provide the funds to help you get another pet when the time is right.
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Please note that pet insurance terms often change. Whilst we will do our best to keep this website up to date you must check with the appropriate insurer before making any decisions. If you find any mistakes on this website please do let us know so we can correct it for the benefit of future visitors. Many thanks!