The Importance Of Pet Insurance

The Importance Of Pet Insurance



The Importance Of Pet Insurance
While most of​ us never think twice about getting home contents insurance – after all,​ it​ is​ not compulsory – it​ is​ surprising how many pet owners do not take out pet insurance.
Yet,​ you​ are three times more likely to​ need to​ make a​ claim on​ your pet insurance (if you​ have it) compared to​ your contents insurance!
Many cat and dog owners see pet insurance as​ unnecessary,​ yet every year,​ one in​ three pets make an​ unexpected trip to​ the​ vet,​ meaning their owner will need to​ find the​ money to​ pay for their treatment .​
These costs can literally run into hundreds – sometimes even thousands – of​ pounds.
As example,​ when 12 year old Timmy - a​ Bombay cat - was adopted from a​ local rescue by the​ Ashcroft family,​ they immediately got him checked over by their vet and then took out pet insurance at​ a​ cost of​ £10.85 a​ month.
Mrs Ashcroft says: Having been a​ cat owner for many years,​ and knowing how vets bills can mount up,​ it​ seemed the​ natural thing to​ insure Timmy .​
We are so glad we did now .​
Just four months after we took out the​ insurance,​ a​ routine check up showed up a​ heart murmur .​
Diagnostic tests to​ discover just how the​ bad the​ problem was,​ plus ongoing medication and visits to​ the​ vet cost us well over £700 in​ just a​ year.
After that,​ further tests revealed a​ thyroid problem .​
Medication,​ tests and a​ operation the​ following year cost us another £700-odd .​
Thankfully,​ our insurance covered most of​ these costs - we only had an​ £80 excess to​ pay .​
Timmy will be on​ medication for the​ rest of​ his life and will need twice-yearly check ups,​ and the​ insurance policy will pay for this .​
It’s comforting to​ know that we can afford to​ give him the​ best medical treatment and attention for the​ rest of​ his life.
There are many specialist insurance companies offering pet insurance for your pet,​ from rats,​ rabbits and reptiles through to​ cats,​ dogs and horses,​ at​ affordable prices .​
And while cover varies from provider to​ provider and depends on​ the​ type of​ pet you​ are insuring,​ as​ a​ basic rule,​ injuries and illnesses are covered .​
(You should note that preventative treatment,​ such as​ vaccinations or​ dentals are not covered).
Each time you​ claim for a​ separate injury or​ illness,​ you​ will be expected to​ pay an​ excess - rather like your car or​ home insurance.
When choosing the​ right policy for you​ and your pet,​ bear in​ mind that while the​ concept is​ the​ same for all the​ insurers,​ each has its own terms,​ conditions and criteria .​
The following should be taken into consideration:
• Check that there is​ no limit on​ how long you​ can claim for each illness .​
For example,​ if​ your cat need tablets to​ control heart problems,​ or​ your dog has arthritis,​ the​ problem will need to​ be controlled for the​ rest of​ their life,​ not just a​ year or​ 24 months
• Check that the​ limit per illness is​ realistic - over time treatment for a​ single illness can cost hundreds of​ pounds
• Check that your pet will still be covered in​ later life when they will need it​ most .​
Some insurers terminate policies when a​ pet reaches a​ certain age
• Look out for special discounts,​ such as​ those offered in​ multi-pet households and for pensioners




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