With 8 million cat and dog owners (as 2014) in the UK and the most common two pets to be insured it’s more important than ever to do your homework and make sure your beloved pet is on the best plan. Don’t neglect your other pets as you may find you can get a multi-plan discount if you include them too. It’s certainly worth investigating.
There are so many insurers out there that sometimes it’s easy to get overwhelmed and it is best to read carefully what they have to offer and don’t forget to check the policy before you go ahead as they all have individual fine print to adhere to. You need to know what you will be able to claim for should your pet get injured or ill and also what type of policy exactly do you need.
An Accident Only plan gives you the most cost effective option and this will cover you for any injury following an accident but not for an illness your pet may have.
A Lifetime Insurance plan will give you the maximum coverage and protection as the name suggests is for the duration of the pet’s life, but there are some clauses in the contract such as you will have an financial limit on the amount you can claim for an each illness annually. You can additionally choose a set maximum amount you can pay annually which would cover all potential injury or illness.
A Time Limited plan will have a certain amount of months or weeks (although usually 12 months) within which time you can claim if your pet is unwell or has an injury, the conditions of this type of policy do restrict you though as it is per injury or illness and you can’t claim for a subsequent condition on the same policy.
The Maximum Benefit plan allow you to cap the cost claimed per illness or injury giving you the ability to set the amount you are able to claim per condition, regardless of if this is for any one condition or if it over a period of years for many less costly conditions.
A few things to think about when you are deciding on which pet insurance plan you need are:
- Am I covered for accidental damage?
- A list of what the Insurance will actually cover
- Am I eligible for PDSA assistance instead?
- Are all pets covered?
- Include all your pets medial history
- What will happen if your pet has a life threatening illness or injury?
- Does the policy have an age limit?
- How high is the excess?
- Is there a discount for multi-pet policies?
It’s important to make sure you are getting the right policy for you and not paying over the odds for a plan that might not be suitable for your pet. It’s worth investigating if your pet breed can get insured as some breeds are not able to get insured at all, usually for their aggressive temperament, breeds such as Pit Bulls, Brazilian Mastiffs and Japanese Tosas for example. Also some insurers will exempt some typical hereditary conditions from specific breeds so it is worth investigating a little into the history of your pet’s breed and any possible underlying conditions that the breed suffer from.
I know it gives us peace of mind that Toots is covered if she should have an injury or suffer an illness but it is better to do some research and get the right deal for your pet and you could save money in the process. As you can see from the photos she is such a loved pet and gets lots of care and attention from us all, especially the children and they most of all would be devastated if something did happen to her and we didn’t have the cover to give her the medical attention she needed, so for us it’s about the peace of mind to ensure we have an insurance policy to cover her for any illness or injury.
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