Protection from bills out of the blue for your pet
From accidents and injuries, to illness and disease, your pet can need expensive health treatments without warning. By far the easiest way to manage this is to take out insurance. There is no NHS for pets.
These are some of the benefits of pet insurance:.
What to look for when taking out pet insurance
Not all pet insurance companies are the same and not all policies are the same – so make sure you choose your pet insurance wisely.
As well as the costs, we recommend you look at
- Reputation and specialisations of the insurance company
- Extent of cover – eg any maximum amounts per condition
- Excesses that apply
- Exclusions and conditions – eg time limits for making claims
- Whether ongoing cover will be available into your pet’s old age
There are different types of policy available:
Lifetime policies will cover treatment for conditions for the rest of your pet’s life, as long as you renew the policy each year. This is ideal for ongoing conditions eg diabetes.
Time limited policies will cover your pet for 12 months of treatment, but after that the condition will be excluded. These are good for accidents.
Do remember that you will always have to tell the insurance company about any existing conditions your pet already has – and cover is unlikely to be available for pre-existing conditions. Which is a very good reason to take out cover now, while your pet is fit and well.