Why should I take out pet insurance?
For most of us, pets are part of the family, so when a beloved four-legged friend suffers an illness or injury, it is upsetting and, very often, extremely expensive.
Vet bills can make a significant dent in your finances, so it’s worth planning for unexpected costs so you’re covered if your pet needs medical treatment.
There are four types of pet insurance:
Accident only: Provides cover for vet bills if your pet is injured in an accident. It’s the cheapest type of pet insurance.
Time limited: These policies provide cover for a specific time, usually 12 months, to cover accidents or short-term illnesses.
Per condition: Also known as ‘maximum benefit’ cover, per condition policies allocate a fixed sum of money to treat each illness or injury.
Lifetime: This type of cover is more expensive than the others but protects your pet over the course of its life.
What does pet insurance typically cover?
When you take out a pet insurance policy, some features come as standard. These include, but are not limited to, the following:
- Vet fees/medical treatments cover
- Kennel and cattery fees (should your pet need to stay for recovery)
- Liability cover
- Advertising costs and rewards
There are exceptions to what pet insurers will pay out for, so it’s important to check the small print when taking out a policy.
Exemptions usually include cover for routine check-ups, pre-existing medical conditions and behavioural problems.