Why Do I Need Pet Insurance?
In 2017, 44% of the UK population owned a pet, with a whopping £1.8 million paid every day in Pet Insurance claims.
While you might think it’s barking mad to be shelling out £35 a month on pet insurance, the alternative can turn your poorly pet into a pricey pet. Vets’ fees are rising year after year and with the average operation for broken bones costing £2,000 and arthritis treatment costing £6,500, it certainly pays to be insured.
If your breed of dog is infamous for health problems, a pet policy is by far the best means of ensuring a long and healthy life – without breaking the bank. Pet Insurance not only ensures your pet is covered in the event of an accident or sudden illness, but helps give you peace of mind.
What Do I Need To Compare Pet Insurance?
To compare pet insurance, you will need to provide details of your pet’s current address, age, breed and gender. You will also need to disclose how much you paid or donated for them and whether your pet has been neutered or spayed.
As of the 6th April 2016, it is compulsory for owners to ensure their dog is microchipped. While it is not required by law to microchip your cat, it will help locate your pet should they be lost or stolen, as well as keep your insurance payments low.
You will also need to disclose all of your pet’s past conditions and any health risks they have. If not, your insurer may use a ‘non-disclosure’ as an excuse not to pay out or even cancel your cover completely. Pricing radically changes depending on your pet so make sure to disclose everything.
Which Policy Is Right For me?
This all depends on the level of cover you want. Getting the right pet insurance policy for you will depend on the type of insurance cover you take out – whether accident only, time limited, maximum cover or lifetime cover – and the amount of voluntary excess you would be happy to pay should your pet become sick.
A pet policy protects the furriest (and arguably the most adorable) member of your family, as well as preventing a significant dent in your finances. Pet owners can choose from four main types of cover:
- Accident Only – the cheapest type of pet insurance, which provides cover for vet bills if your pet is injured in an accident.
- Time Limit – provides cover for accidents or short term illnesses for a specific time, usually 12 months
- Per Condition – known as maximum benefit cover, per condition policies allocate a fixed sum of money for each illness
- Lifetime – the more expensive type of pet insurance, but it protects your pet for life
Policies typically include cover for vet fees and medical treatments, kennel and cattery fees, liability cover and even advertising costs and rewards. There are exceptions to what pet insurers will pay out for, so it’s important to read the small print and make sure you know what you’re covered for.
Banned breeds, such as Pit Bulls, Japanese Tosas and Brazilian Mastiffs, often can’t be insured, even if they are not a pure breed. However, under the Dangerous Dogs Act 1991, any dog classified as a dangerous breed will need Third Party Liability, which is a available from a handful of insurers.
Why Compare Quotes With Compare By Review?
We know how important it is to find the right protection plan for your pet. At Compare By Review, we understand that choosing the right type of pet insurance can be confusing and time consuming. That’s why we analyse thousands of real customer experiences to provide a simple, impartial comparison of pet insurers so you can purchase the right policy that works best for you.