What exactly is pet insurance?
Never worry about your pet's health care again. Save big on your pet's medical costs. Get reimbursed for your pet's illness, injury, and wellness expenses!
Pet insurance can protect you from the costs of treating your pet if they suffer from an illness - or are injured in an accident - and need treatment from a vet. It may save you from an unexpected – and potentially expensive – bill.
Depending on what type of cover you have, pet insurance can also help with:
Dental treatment
Alternative therapies
Your pet has been lost or stolen.
Treatment for behavioral issues
Illness or injury-related death
Liability insurance can pay for costs if a person or pet is injured or property is damaged as a result of an incident involving your dog.
Never worry about your pet's health care again. Save big on your pet's medical costs. Get reimbursed for your pet's illness, injury, and wellness expenses!
What kinds of pet insurance are there?
Pet insurance is classified into four types:
Accident only - Your insurance provider will only cover your pet in the event of an accident.
This is a time-limited policy that covers illness and accident for (usually) 12 months.
Maximum benefit - this provides indefinite coverage for accidents and illnesses (as long as you renew your policy). There is usually a fixed cost limit, and once reached, you will no longer be able to claim.
Lifetime - this is the most comprehensive policy available, covering accident, injury, and illness for the duration of your pet's life.
Before you can decide whether pet insurance is worth it for you and your pet, you should understand the various types of coverage available so that you can shop around for quotes and determine which one best suits your needs.
Never worry about your pet's health care again. Save big on your pet's medical costs. Get reimbursed for your pet's illness, injury, and wellness expenses!
How much do veterinarian bills cost?
It depends on what your pet is being treated for and where you live; costs vary by region. However, the average dog insurance claim in 2021, according to the Association of British Insurers (ABI), was £848.17. Meanwhile, in 2021, the average cat insurance claim was £671.11 - a hefty sum if you have to cover it yourself. This makes pet insurance an excellent investment.
What else should I think about?
There are a few other factors to consider when deciding whether or not to insure your pet.
Pre-existing conditions are typically not covered by pet insurance.
Long-term conditions may only be covered if you have a lifetime policy. Check to see what is covered, especially if purchasing an annual policy.
The age of your pet will have an impact on the cost of your premium. Older animals are more expensive to insure, and after a certain age, you may find that very few insurance providers will cover your pet.
Breed - If your pet is a pedigree, insurance may be more expensive.
Breeding and pregnancy - Pregnancy costs are not always included, so if you plan on breeding, make sure this is covered.
Vaccinations, check-ups, and spaying or neutering are not typically covered by pet insurance. If your pet misses a routine vaccination and becomes ill, your policy may be voided.
Is it possible to reduce the cost of pet insurance?
In addition to comparing pet insurance prices to ensure you get a competitive quote, there are a few things you can do to help lower your premiums.
Never worry about your pet's health care again. Save big on your pet's medical costs. Get reimbursed for your pet's illness, injury, and wellness expenses!
Avoid pedigree animals; if you're looking for a new pet, a cross breed could save you money. Pedigree cats and dogs may be more susceptible to certain illnesses, congenital diseases, and hereditary issues. They are also more prone to theft. This raises the cost of insuring them.
Spaying or neutering your pet avoids the problems that come with pregnancy.
Multi-pet insurance - some insurance companies may offer a discount if you insure more than one pet. You cannot yet compare this to us.
Paying a higher excess, but make sure you can afford it if you need to make a claim.
Get insurance for your pet when they are young and healthy; if you wait until they are older or have health issues, you may find it difficult to get the coverage you want or will have to pay more for it.
So is pet insurance worthwhile?
According to the statistics, it makes sense to insure both you and your pet in case of an emergency. This insurance ensures that you will not be surprised with a large and unexpected bill for an injury or illness, allowing you to focus on helping your beloved pet recover.
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