Table of Contents
Anyone who has a pet will understand when I say “be our cat and dog.”
an extension of our family very loved and well pampered! “and that’s why we have pet insurance.
What is pet insurance?
Pet Insurance covers unexpected costs incurred for the treatment of your pets beyond their normal well-being. If your pet suffers an accident and you do not have pet insurance, it can become very expensive. Quite simply, a cat in need of treatment after being hit by a car may cost more than £2,000 to regain its health. An X-ray and MRI scan alone can cost up to £1,000! Pet insurance is invaluable.
What does pet insurance pay?
Regular visits to the vets for things like injections, worms, and fleas
treatments are neither covered by the pet insurance nor as castration.
Anything considered routine is excluded from pet insurance. However,
your dog must break his leg while running down the hill to get the stick –
you would be covered – accidents are routine and costs for preventive treatment are not.
A typical pet insurance covers:
Treatment for your pet in case of sickness, injury or illness
The purchase price if your pet dies as a result of accidental injury
Part of the third party liability covers, usually only applicable to dogs, for injury to third parties or damage to their property.
Why do pets need insurance?
Every year, 1 in 3 cats and dogs get sick or injured – that’s more than 4.5
million cats and dogs. There is no NHS for animals and the average emergency visit to the vet will cost you around £300. So if your pet has an accident or needs emergency medical treatment it could cost you hundreds, if not thousands of pounds. See below for some of the most common reasons to go to the vet: Some of the main reasons for an unexpected trip to the vet are:
1. Cuts / cuts
3. Traffic accident
4. A growth
7. Foreign body (swallowed)
8. Pyrexia/anorexia of unknown origin
10. Ear infection
Pet insurance covers all these common conditions. And it doesn’t have to be expensive. The coverage of pets becomes more and more important as the cost of vet bills continues to rise. Technological advances in veterinary medicine have enabled veterinarians to offer more comprehensive treatments, resulting in steadily rising bills. But insurance itself can start as little as a few pounds a month, so you can avoid most of these unexpected costs whenever they occur.
So what types of pet insurance are there?
As with all insurances, there are several variations.
You can choose Purchase additional cover or coverage for specific items not covered by the
Usually referred to as a ‘life policy cover’, this is where companies offer a fixed amount of vet fees each year and then recover this amount each year when the policy is renewed. A cat with
Arthritis, for example, would be covered for this condition during his lifetime,
and the owner would pay a deductible each year. This type of cover can be expensive but is suitable for long-term, ongoing circumstances.
The second type of insurance includes a maximum limit on the amount paid out for each condition, so you can claim as long as necessary to reach this limit. This is generally cheaper than level one and
is also suitable for long-term conditions.
This type of coverage has a maximum monetary limit per condition and a maximum time limit for which a condition can be claimed (normally 12 months from the start). Once the maximum money or time limit is reached, the condition is no longer covered. This is usually referred to as a 12-month policy.
Be careful when considering which pet insurance is right for you and don’t go
thinking that it will never happen to me – because it could and a pet without insurance can be very expensive. Many companies offer an extra discount for multiple pets, so make sure they are insured.
Thank you for reading please don’t forget to share this article with your friends