This ensures that your pet is covered while you research the options available. It pays to research carefully and to bear in mind that the cheapest option might not provide the cover that you want. So if the worst does happen you know that you can afford the best treatment available.
Advances in veterinary medicine have enabled vets to offer a far greater variety of treatments and options for patients. This is great news for pets and their families. However, these treatments generally come at a cost, making pet insurance more important than ever.
Some considerations before choosing pet insurance
Policies all vary so it’s important to shop around and be aware of what is and isn’t covered.
- Does the policy cover chronic conditions for the pet’s lifetime or just for the first 12 months?
- Premiums are often higher if you start insuring your pet when it’s older and pre-existing conditions will often be excluded.
- New policies might not cover the first few days.
- Some breeds are not covered for certain conditions under some policies.
- Are there any requirements that owners have to comply with? E.g. keeping vaccinations up to date or having annual dental checks?
- Do premiums go up if you make a claim?
- How much is the policy excess? Is it a fixed fee per claim, a percentage of each claim, or a combination of both? Paying a percentage of the bill can get expensive over time.
- Insurance can cover more than just vet bills. In the event that your pet is lost or stolen you may want to advertise for its safe return. Insurance can also help cover the cost of kennel/cattery fees if you are hospitalised, or even help with legal costs if your dog causes an accident resulting in 3rd party damage or injury.
Always check the small print.