Tips for Choosing Pet Insurance
We all know how important our pets are to us, so much so they have become part of our family. Properly caring for them, looking after their health and caring for them when they get sick or injured is becoming increasingly costly. This is why it is well worth considering pet insurance.
Here are some top tips when it comes to choosing pet insurance:
There are four main types of cover for your pet:
Accident only: As the name suggests it is for taking care of accidents, such as being hit by a vehicle. You should note that illness is not covered under this.
Lifetime cover: Is like the fully-comprehensive version of pet insurance and this means that everything from vets fees to illness and injury is covered. This is probably the best option.
Per condition, no time limit: Looks after a pre-existing condition such as epilepsy.
Best to compare prices by doing your research and shopping around – either by using comparison prices, or often the best deal can still be got by lifting the phone.
Apart from being legally required, it is often a benefit to having your dog micro-chipped as this can reduce the price of your policy.
Check as to if your particular dog breed is prone to any conditions and if so you need to make sure that your pet insurance will take this into account.
It is always wise to check to see if after-hours emergency care is included in your policy as this can be very expensive.
You need to check the age limit of your policy as some insurers will only insure dogs up to eight years of age, and in some case of some breeds, only up to five years.
Most policies don’t take effect for 10 – 14 days from the date policy is taken out.
Some insurance companies don’t pair these two together. Instead, injury-only policies tend to be cheaper than injury and illness policies, which offer a more comprehensive cover. So make sure to check in full whether your pet is covered under one or both of them.
You might think this may be the same as the previous six points, but it isn’t. When reviewing T&Cs you need to take some time to look over the terms of the policy, payment methods and make sure what is included and excluded. For example: If travelling, are you covered for all destinations you will be visiting? Does your policy require you to pay upfront and reclaim your outlay?
Make sure that a small saving now does not end up leaving you exposed or having to pay more in vets fees later on.
Guest blog provided by www.WoofAdvisor.com. Helping pet lovers find pet-friendly Accommodation, Amenities & Pet Services.
