Pet Insurance What To Look For

Pet Insurance What To Look For

Keeping a​ pet is​ a​ rewarding experience which many of​ us enjoy,​ but it​ can also be expensive. as​ well as​ all the​ routine costs such as​ food and grooming,​ you​ can also come up against unplanned expenses such as​ vetinary bills through sickness or​ accident. These bills can unfortunately be very high,​ so to​ ensure that their pets can get the​ treatment they need many people decide that taking out pet insurance is​ a​ sensible way of​ helping to​ cushion these costs. But what should you​ be looking for in​ a​ pet insurance policy?

The first thing to​ consider is​ what kind of​ pet you​ have. the​ cheapest kind of​ pet insurance is​ that for the​ most common pets - cats and dogs. Prices for these policies can be very reasonable indeed,​ amounting to​ only the​ cost of​ a​ few tins of​ pet food a​ month. If,​ however,​ you​ keep a​ more unusual kind of​ animal as​ a​ pet,​ then the​ price you​ pay may well be higher. Make sure that any policy you​ take out specifically includes your kind of​ pet,​ as​ many will exclude more 'exotic' kinds of​ animal.

The main reason for considering pet insurance is​ cover for medical treatment,​ but there are some exclusions that you​ need to​ be aware of. Firstly,​ your policy will almost certainly not cover routine treatments such as​ vaccinations,​ flea control,​ or​ worming. Secondly,​ you​ won't be covered for any pre-existing conditions that were already known about when you​ took out the​ policy (you should also declare any existing conditions when you​ take out the​ policy,​ or​ you​ risk it​ being declared invalid when you​ come to​ make a​ claim).

You also need to​ check your policy for claim limits: there may be a​ time limit of​ cover,​ so for example a​ long-term condition such as​ arthritis may only be covered for a​ period of​ 12 months,​ after which you​ will be responsible for meeting the​ bills. There is​ also usually a​ limit to​ the​ total cost of​ medical bill claims you​ make in​ any one year,​ but this is​ usually high enough to​ cover almost any conceivable situation.

Another major reason for taking out insurance is​ to​ help you​ cover the​ costs of​ getting your pet back if​ it​ goes missing. Most policies will contribute towards advertising in​ local newspapers etcetera,​ and also to​ providing reward money for the​ safe return of​ your pet.

Another very important part of​ your insurance cover is​ public liability,​ especially for dog owners. Even the​ calmest and most well behaved of​ pets could possibly cause damage to​ someone's property,​ or​ even cause an​ injury to​ a​ person. in​ this thankfully rare event,​ you​ could be open to​ huge legal bills and compensation claims - make sure that your policy includes a​ substantial amount of​ third party liability cover as​ standard.

Finally,​ check whether the​ policy you're considering places a​ limit on​ the​ age of​ your pet. Many policies are only available to,​ for example,​ cats up until the​ age of​ eight years. as​ it​ is​ in​ later years that your pet is​ most likely to​ need treatment,​ it​ obviously makes sense to​ ensure your policy will cover this,​ especially if​ your pet has a​ few years under their belt!

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