For most people dog insurance is an essential. We have the NHS to fall back on if we need health care, but there is no such thing for dogs. Insurance won’t cover routine treatments such as spaying or neutering, flea and worm treatment or vaccinations. Howeve, should your pet be involved in an accident or require expensive treatment in later life insurance can help.
Whilst some people can afford any bill which might come along or choose to self insure (put money aside every month to cover any bills that may arise) most responsible dog owners wisely take out pet insurance.
We will arrange some initial cover for you, but its important to consider what meets your needs and budget. T
here are three main types of cover:
Per condition, with time limit
This tends to be the cheapest cover, but offers the least insurance as it puts a time bar on how long you can claim for a particular condition or ailment – usually 12 months once the pet’s been diagnosed and started having treatment – and a cap on how much in vets’ fees you can reclaim.
Per condition, no time limit
Like the basic cover, this policy limits vets’ fees for any one illness, but doesn’t apply any time limit on how long the treatment lasts. A £3,000 vet fees policy could pay for treatment over any number of years until you exhaust the financial limit. Some policies renew the limit each year, although these are likely to cost you more.
Though you pay a bit more for these policies, they do offer the most comprehensive cover. They insure your pet for illness or injury up to a pretty high maximum amount per year – eg, £9,000 – or to an overall high sum, £40,000 say, throughout its life.
The important thing is to check the cover you are getting meets your needs. You don’t want to need to claim and find all those premiums were wasted for some reason.
Much of this information was gleaned from the money saving expert web site. You may wish to visit for more information.