Save Some Pounds & Get Your Pet Covered

Save Some Pounds & Get Your Pet Covered

When it comes to looking after your pooch, puss, or any other pet it is highly recommended to take out a good pet insurance policy. Pet Insurance should be used as a safety net to help you should the unexpected happen, and your much-loved pet needs urgent and what can be expensive treatment to help them back to health.

For many pet owners, the thought of buying pet insurance can be daunting, the upfront cost of buying insurance can be a headache, however, when some veterinary treatments can run into the thousands should a pet develop an on-going condition, pet insurance can save you the pounds in the longer-term. Whether you have a pet, or you are considering introducing a pet into your family home, think about how you might be able to finance a pet’s health needs, much like you would their diet or play needs.

If you have a cat or a dog, the likelihood is that it will be easy to find an insurer to assist you with your needs. When it comes to an exotic animal, such as a snake or a parrot, you might find insurance more difficult to secure, although, despite some complexity there will be an insurer to help, you might just need to carry out a more extensive search. When it comes to small pets including hamsters and rabbits, although your love will be no less, shorter life spans may be a deciding factor in pet insurance.

When researching pet insurance, the same rule of thumb applies as it does to all insurance policies – always read the small print. Policies can vary widely so it is important to know what a policy covers and what it does not cover, and of course whether this fits the bill when it comes to looking after your pet. Think about the following areas which might or might not appear in cover – loss and theft of your pet, treatment for behavioural problems, death by illness or injury, liability cover and pet travel abroad.

Risky Business

Sadly, some pets carry risks to their welfare, especially if they are pedigree breeds. Think about the following when you are insuring your furry four-legged friend:

• Pedigree inherited illnesses and congenital diseases
• Pedigrees which are a greater threat of theft
• Pedigree or breed specific health complaints

When it comes to paying for pet insurance, packages typically fall into three categories – lifetime, annual and accident-only. Whichever package you decide to go for, be aware of the following two factors which can make pet insurance pricey – your pet’s age, finding insurance for older pets can be harder as many insurers will look at an older animal as being a greater risk, and pre-existing conditions, it is important to declare any conditions your pet may have before buying insurance, therefore this can increase the price.