Unfortunately, our pets get ill and do injure themselves at times and having a good pet insurance policy allows you to provide the best for your pet while knowing help is there for the cost of unexpected treatment.
We advise taking an insurance policy out for all age of pets. Although illness is more common in older pets, accidents are more common in younger pets and bills can add up. In fact, the younger your pet is when you insure them the better as it means you are less likely to have any existing conditions, which may not be covered by the policy and you can then receive more help covering the cost of any future treatment your pet needs.
Types of insurance differ in what they cover :
- Accident: provides cover for accidents only and no cover for illness
- Time-Limited: provides cover for a set amount of time (usually 12 months) and after this period the condition is excluded – often called an ‘Annual Policy’
- Maximum Benefit: provides cover up to a maximum amount of money per condition and once this limit is reached the condition is excluded
- Lifetime: provides a set amount of money each year which is refreshed each time you renew your policy allowing you to continue to claim for ongoing conditions
It’s important to choose the right cover. Sometimes, the cheapest insurance can cost you more in the long run. When shopping around for a policy, we suggest that you ask the following questions to allow you to compare the overall value you are getting, not just the price: does the premium go up after claiming, and what are the time or monetary limits on each condition claimed for.
Unlike say car insurance, it is not easy to switch pet insurance in the future as any pre-existing conditions your pet has are likely to be excluded so it’s important to do your research and choose the right cover from the start.