Pet Insurance

Why You Should Have Pet Insurance.

Whether your latest family member is a pampered pooch or a cat who loves scaling the neighbours' wall you'll want to do everything you can to protect them. Our furry friends are not fortunate enough to have a National Health Service of their own, so pet insurance will cover any unexpected vet fees. For a small monthly payment you will avoid any unexpected costs should your pet need to take your pet to the vets.

Most policies will cover large, unexpected costs as standard, for example broken bones and accident-related injuries but may not include illnesses that are equally unpredictable. It is best to look out for plans which cover both, as well as third-party liability cover which will cover the cost of advertising and reward if your pet goes missing.

Unless you opt for comprehensive cover, often called ‘lifetime cover’, your policy will not pay out for treatments such as routine injections, check-ups, worming treatments, anti-flea medications and pre-existing conditions. Always check the small print to see what your pet is are actually covered for.

Like all insurance policies, they are there to protect you and your pet from the unexpected. Vet fees can be incredibly expensive and can run into hundreds, if not thousands of pounds, for a single treatment. If you’re unable to find this sort of money at a moment’s notice, pet insurance gives you the reassurance that you won’t be landed with a hefty bill.

Most pet insurance companies are happy to pay vets directly, but some vets will only accept payment from a pet owner at the time of treatment and you will have to claim back on your insurance.