Vet bills are becoming increasingly expensive, with uninsured pet owners paying out an average of £810 everytime their pet needs treatment at the vets. That’s why a number of people now choose to insure their precious pooches for expensive medical treatments that could cost them a lot of money. However, while that’s relatively easy to do when your dog is younger, insuring an older dog can be problematic. Some pet insurance providers have an age restriction on their policies and others might reject your dog’s claim if they suffer from a pre-existing medical condition.
Thankfully, you can now find an insurance policy for an older animal. While it might be a more expensive to insure, it’s something worth investing in.
Why Is It Expensive?
Like their owners, dogs age, and the probability of making a claim for medical treatment increases, making you and your pet vulnerable to an expensive vet bill should they require treatment. Many older dogs end up developing an ongoing condition, including hip dysplasia and diabetes, which means more insurance claims and, in turn, higher premiums each year.
What Should I Look Out For?
When looking to insure your playful pooch, always make sure to check what is covered. Most pet insurance providers will not insure your dog if they have a pre-existing condition or refused to pay out for any treatment they deem related to the previous condition. Those that do cover pre-existing conditions, will usually require your dog to be symptom free for two years in addition to other terms and conditions specified by the provider.
You should also check the excess you pay as part of your policy. Excess is the amount of money you would have to pay before being able to claim on your insurance cover. For example, if your vet’s bill is £1,000 and your policy excess is £200, you will be required to pay the first £200 and the insurer would contribute the remaining £800.
Remember, it pays to check the small print, so if you have anything you are unsure of, always consult your provider..
Cheaper Doesn’t Mean Better
The older your dog gets, the harder it will be to insure them. If you already have a policy in place, think before you allow it to lapse. While your premiums maybe expensive, your policy should continue to cover your dogs on-going existing condition and any treatment they may need to receive.
Switching policies based solely on price may result in your pet not being covered for treatment when they need it most, whether it’s due to a policy restriction or a pre-existing condition. However, if you are looking to switch or simply need a policy to cover your pet, why not compare from our range of providers? Unlike price comparison sites, Compare By Review focuses exclusively on customer experience and product quality, instead of price.
Compare By Review collects thousands of reviews of different providers across the web to create our unique CBR Score. So you can make a fully informed decision and buy the right policy for you. Start your search today!