ALL ABOUT DOGS and CATS   Resource Center for Canine & Feline Lovers
PET INSURANCE
All about Pet Insurance
               
Pet insurance is commonly for hamsters, dogs, horses, cats and rabbits but if you have
an exotic or more unusual pet there are specialist policies available too.

This will cover vets fees, but also cover for lost or stolen pets and dog insurance will
cover you for emergency kennel fees. You can either pay yearly or monthly and there
are a variety of levels of cover.

Most, standard insurance will cover the following:

. If you pet has an accident any costs not included in vet fees . Vets fees - to cover you
if your pet falls ill or needs surgery . A payout if you're pet sadly dies . Kennel/cattery
fees . If your pet goes missing, help with advertising or the cost of offering a reward .
If you're pet is stolen . Third party liability - in case your pet damages someone else's
property or person.

. Personal injury - if your pet has harmed you resulting in time off sick.

A lot of insurers won't offer pet insurance if the animal is less than a few months old,
but if you have to go into hospital dog insurance can be especially useful in keeping
kennelling costs down.

There are a number of factors which will affect insurance premiums. If your cat or dog
is a pedigree animal they are more costly to insure than a cross bred one and
premiums rise as the animal's age rises. Also your location will come into play as for
instance in London vets fees are higher.

Why have pet insurance?

As the equipment, procedures and drugs available for pet treatment become more
sophisticated so vet's bills are rising. It's estimated that 50% of UK pets need medical
attention annually costing an average £220. This does not take into account more
complicated procedures.

If you have a big enough savings pot an unexpected vet's bill might not present too
much of a problem. If you don't it can make a huge impact on an already tight budget.
Dog insurance rates start from £7 monthly even a basic policy might help if your dog
needs attention.

Getting dog insurance or any other kind of pet insurance needs some careful thought
as there are a host of mainstream insurers who offer pet insurance, but also
supermarkets or even your own bank probably have a cat or dog insurance plan. You
can either go direct to your chosen insurer or try searching a price comparison
website. It is also worth looking at charities and specialist providers.

It is a good idea to get your insurance in place from the youngest age possible as
premiums do vary greatly depending on the factors mentions above and especially
with the more expensive dog insurance looking at a lifetime policy may save more in
the long run. You can cut the costs by really thinking about what you want cover for.
Would you be very likely to need bereavement counselling after you pet dies for
instance?

A really important point to make is don't be tempted to give false information to try
and lower your dog insurance premium. Always disclose the full medical history of your
pet, or your claim could be rejected if your insurer sees a report from your vet stating
it had a long-running health issue.

Be aware that many insurance companies will have an annual maximum pay-out
amount. There may also be a limit for each potential condition your pet may suffer. An
annual limit deal can offer the best value as they pay out over the whole period that
particular condition is present. A per-condition limit means the insurer can and
probably will stop payments for conditions that arise from your pet getting an illness
needing ongoing care. Lifetime cover options can be quite helpful to cover long term
conditions contracted, but are more expensive.

Taking all things into consideration though it is still a very good idea to look at rabbit,
cat or dog insurance to help you if something happens to your pet.
Prevention is the best medicine for your pet's health.