Comparing Pet Insurance Policies
Our pets are an important part of our lives and we would like to keep them as healthy as possible. When they do get ill, the vet bills can quickly add up to a substantial amount. Add to this the fact that vet fees increase at an average of more than 10% per year in the UK and it is obvious that some solution needs to be found. Pet insurance is the answer to these eventualities. Like with any other insurance, there are many options available and it is worthwhile shopping around for the product that suits your individual needs. It is especially important to take out dog insurance for your canine pet, as there are potentially more things that could happen to a dog.
Most insurance companies offer two or three different kinds of dog insurance. The cheapest one would cover your dog for a one-off injury, such as being knocked over by a vehicle, to a certain limit. The second kind covers an illness or injury as well but has a higher limit that is paid out. These two insurances usually limit you to one year of claims for this illness or injury. The third kind is basically comprehensive lifetime cover with no time limit for claims for the same condition and a much higher limit than the other two forms of dog insurance. This would be suitable for a dog with a chronic condition such as eczema.
Most forms of pet insurance provide cover for the same basic things, such as veterinary fees, death benefit and boarding fees. Different companies then add different extras to their dog insurance, such as reimbursing you up to a certain limit for the purchase price of your pet if it is stolen or accidentally goes missing, or quarantine costs should you take your pet overseas. Not all owners need these extras, so you need to make sure whether you really want these to be added to the policy, as they cost extra.
If you have a large or aggressive dog, it might be worth your while to add third party damages to your dog insurance. This covers you for expenses in the event of your dog injuring somebody else, their pet or doing damage to their property.
Pet owners should also be aware of the fact that there is often an excess amount to be paid with a claim, although the benefits of pet insurance still far outweigh the costs incurred by it.
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