Choosing the right pet insurance
What should I look for in a pet insurance policy?
There is no
industry-wide standard for pet insurance. The cover varies widely
from one brand to another. That's why it's important that you
really understand what you are buying before you sign on the dotted
line.
Here's a quick checklist of things to watch out for:
-
Ensure that the policy will cover your pet's injuries or illness for as long as treatment is required. Some companies will only cover your pet's treatment up to a certain financial limit, or for a certain period of time.
-
Make sure you check the limits of cover. Some
schemes will offer less payment
for treatment than others.
If you want more protection against
expensive operations, then make sure
you choose a policy that pays out
more.
-
Check that it provides the range of benefits you want. For
example: Do you want the policy
to pay for advertising and reward
if your pet became lost? Check the
full list of what's included - and
excluded.
-
Check what is covered under 'vet fees'. Does
the policy cover hereditary or congenital conditions? Will it pay out
for clinical diet foods prescribed by your vet? What about behavioural
problems?
Watch out for companies that offer
deceptively low fees - with pet insurance, as with most things in life,
you get what you pay for.
Most importantly, be sure to ask all the questions you need when you shop around
So isn't it time you saved some money?
As veterinary procedures become more and more sophisticated, many
animal conditions once considered untreatable can now be cured
completely. However, such procedures come at a cost. Pet
insurance means you don't have to worry about treatments for your pet,
whether they be major life-saving operations - which can run into
thousands of pounds - or smaller treatments for niggling injuries,
illnesses or clinical diets to maintain your pet's quality of life.
Pets can be very
expensive members of the family. Insurance
provides a safety cushion against the
cost of those unexpected vet bills.
Not all policies are the same
Be careful when choosing an insurance policy - make sure you know what you are buying.
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