Vet bills can often be very expensive – to protect yourself you can take out pet insurance to help you pay for treatment.
Insurers will only pay out for specific conditions inside the period of time specified in the policy. There will usually be an agreed maximum payout for vet’s bills and drugs. Some policies may also aid with the cost of looking after pets when you cannot (when you are in hospital for example, not when you are on holiday). They may also aid with advertising and putting up a reward if your pet is lost.
For a leaflet providing information on pet insurance, follow this link.
You need to consider what the probability is of your pet developing an ongoing illness before deciding which sort and what level of cover to opt for.
For more information on Pet Insurance, click on the following links:
The cost of pet insurance varies considerably as it is subject to what animal you are insuring, what breed the animal is, how old the animal is and where you live.
Remember to check what the maximum amount the insurer will pay out in the event of an injury, and also whether or not this a maximum that can be payed per year or per condition.
You should also check how long the policy lasts. Does it cover the lifetime of your pet or will the company stop insuring you when your pet gets older?
Another consideration is whether or not your premiums rise if you make a claim?
You may also want to check exactly what the policy includes and what it excludes (will it cover dental work or special dietary requirements?).
Follow this link for pet insurance "DOs and DON'Ts".
As with all insurance you can set an agreed excess, which can help you bring down the overall cost of the insurance policy. Remember to shop around for pet insurance just as you would for any other type of insurance.
To view a directory of the top pet insurance companies, click here.
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