Cheap Pet Insurance
Why take out Pet Insurance? The most important aspect of a pet insurance policy
is to cover veterinary fees but there are also other types of cover
that may or may not be included within your insurance policy including
life insurance, third party liability cover, holiday cancellation,
owner hospitalisation, death from illness (up to a certain age), cover
for travelling abroad, retrieval costs and alternative treatments
such as homeopathy and hydrotherapy. The simple answer is that you
get what you pay for. |
 |
Why should I consider taking out Pet Insurance?
Every year one in three dogs or cats become ill or are injured to
the extent that they need veterinary treatment. The average emergency
visit to a vet can cost as much as £300. Pet insurance cover
is becoming increasingly essential to protect pet owners from the
unexpected costs of veterinary fees. The huge advances in veterinary
science means that vets can provide an ever increasing range of treatments
- but at an ever increasing cost.
Insurance policy excesses
Insurance companies apply excesses to their policies - principally
to prevent claims for minor ailments that are expensive to process.
These can be a fixed amount - say £35 - which is deducted from
the full claim. Thus if the full claim is £135 you will pay
£35 and the insurance company £100. Alternative methods
of charging for excess include a percentage excess on the amount you
claim, annual excesses which mean that if the treatment spans two
policy years the excess will be taken twice or a variable excess relating
to the age of your pet.
|
How much will it cost?
This will depend on the depth of cover you require. A simple policy
can start from just a few pounds a month and this will provide for
most of the unexpected costs should they arise - not to mention the
peace of mind. The more comprehensive the cover the higher the cost
- but take care to ensure that you are not paying for more cover than
you may need.
Choosing a Cheap Pet Insurance Policy
Several considerations have to be taken into account when choosing
a policy. Policies can vary in the level of cover that they provide
and different companies will apply their own terms and conditions
including exclusions and excesses - the part of the claim that you
have to pay from your own pocket in the event of a claim. |
|
