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What is Pet Insurance & What does it cover?

 

We all love and care for our pets. They are part of our family and their health is important to us. When they become ill the veterinary clinic is our first port of call. But vets bills can be very expensive - especially if treatment or surgery is required. Pet insurance cover eases the financial burden. You can get an insurance plan for as little as £4 per month, usually cheaper the smaller the animal. for instance cat insurance will be cheaper than dog insurance and another factor is the breed of the animal. A mongrel will be alot cheaper to insure than a pedigree dog. 

Every year one in three cats and dogs are ill or injured. The average cost of taking them to the vet is about £250 per visit. Don't take the risk of a high verterinary bill, take out insurance today. 

 

How Does Pet Insurance Work?


Pet insurance is similar to human forms of health insurance cover. A premium is paid to the provider. When your pet becomes ill and requires treatment you make a claim for the costs incurred. The insurance provider then pays out a cheque and you bank it. I suggest making sure the insurance company will cover any large operations or any very expensive treatments before you go ahead with it so you know they will pay out after the operation. Most types of domesticated animal are eligible for pet insurance in the UK. Many standard policies insure cats and dogs. Some extend cover to rabbits, birds and horses. Exotic animals and other uncommon pets insutrance are usually provided through specialist insurance policies. 

 

What's covered?

 

Reimbursement of veterinary fees is the main reason pet owners insure their animals. But there are other benefits available too. If your pet were to die from accidental injury your policy may cover the price you paid for the animal. Should your pet injure someone or cause damage to property you may have legal protection by way of third party liability cover. Even if your pet was to go missing you may be able to claim for the cost of advertising for the pet's safe return or for membership of the Missing Pets Bureau. When taking out insurance, pet owners are offered choices on the level of cover. The cheapest pet insurance arrangements are policies that pay out on conditions caused by accidental injury only, or where claims are limited to certain illnesses. More comprehensive pet insurance policies cover pets for all eventualities, including treatment for a long list of illnesses and disease, for the whole of the animal's life. Premiums may be slightly higher, but for your peace of mind and the knowledge that your pet is able to receive the best treatment, come what may, the extra cost is often worth it.

 

 

The opinions expressed are those of the author only. The material is for general information only and does not constitute legal, financial or other form of advice. You should not rely on this information to make (or refrain from making) any decisions. Always obtain independent, professional advice for your own particular situation by an FSA authorised company where the market is FSA regulated.

 

 

 

 

asrecommended insurance offers pet insurance via selected pet insurance providers to give you with the best pet insurance quotes to suit your needs. If you are looking for pet insurance to cover dogs or cats for vet’s fees such as consultations, x-rays, surgery and medication then our providers can help. Get a pet insurance quotation online or over the phone.