Your Pet Care

Search My Pet Care

Pet Insurance: What to Look For

By Nicholas Hunt TEXT SIZE Minus Plus

Keeping a pet is a rewarding experience which many of us enjoy, but it can also be expensive. As well as all the routine costs such as food and grooming, you can also come up against unplanned expenses such as vetinary bills through sickness or accident. These bills can unfortunately be very high, so to ensure that their pets can get the treatment they need many people decide that taking out pet insurance is a sensible way of helping to cushion these costs. But what should you be looking for in a pet insurance policy?

The first thing to consider is what kind of pet you have. The cheapest kind of pet insurance is that for the most common pets - cats and dogs. Prices for these policies can be very reasonable indeed, amounting to only the cost of a few tins of pet food a month. If, however, you keep a more unusual kind of animal as a pet, then the price you pay may well be higher. Make sure that any policy you take out specifically includes your kind of pet, as many will exclude more 'exotic' kinds of animal.

The main reason for considering pet insurance is cover for medical treatment, but there are some exclusions that you need to be aware of. Firstly, your policy will almost certainly not cover routine treatments such as vaccinations, flea control, or worming. Secondly, you won't be covered for any pre-existing conditions that were already known about when you took out the policy (you should also declare any existing conditions when you take out the policy, or you risk it being declared invalid when you come to make a claim).

You also need to check your policy for claim limits: there may be a time limit of cover, so for example a long-term condition such as arthritis may only be covered for a period of 12 months, after which you will be responsible for meeting the bills. There is also usually a limit to the total cost of medical bill claims you make in any one year, but this is usually high enough to cover almost any conceivable situation.

Another major reason for taking out insurance is to help you cover the costs of getting your pet back if it goes missing. Most policies will contribute towards advertising in local newspapers etcetera, and also to providing reward money for the safe return of your pet.

Another very important part of your insurance cover is public liability, especially for dog owners. Even the calmest and most well behaved of pets could possibly cause damage to someone's property, or even cause an injury to a person. In this thankfully rare event, you could be open to huge legal bills and compensation claims - make sure that your policy includes a substantial amount of third party liability cover as standard.

Finally, check whether the policy you're considering places a limit on the age of your pet. Many policies are only available to, for example, cats up until the age of eight years. As it is in later years that your pet is most likely to need treatment, it obviously makes sense to ensure your policy will cover this, especially if your pet has a few years under their belt!

About the Author
Nicholas writes for a pet insurance advice site where you can read more information on what to expect from a pet insurance policy.

Article source:

Tags: , , ,

More ArticlesGetting Pet Health Insurance in Canada

There are two wellbeing nursing issues that might make Canada's pet owners believe purchasing Canadian Pet Health Insurance for their family pets. Cancer and Tularemia. (more)

Get Pet Health Insurance in Florida

Get pet health insurance in Florida. Pet owners, who have recently brought their pets to Florida, should be aware of the potential medical issues involved with exposing their pets to strange surroundings. (more)

Related Articles Suggested Reading More ArticlesThe American Kennel Club Pet Health Insurance

You either love them or you hate them, the members, breeders, and owners who are affiliated with the American Kennel Club. Puppies who are registered with the American Kennel Club are the aristocracy of the dog world, granted entry into the finest clubs and most exclusive clubs. (more)

Some Reason To Get Health Insurance For Your Pet Cat

Most people do not to think about purchasing pet health insurance for the family cat simply because it seems as if cats never get sick. (more)

Health Insurance for Pets in Pennsylvania

Dog owners in the state of Pennsylvania are more then eligible to purchase pet health insurance for their dogs from the American Kennel Club. (more)

Learn about Getting Insurance for Your Pet

Some questions you should ask the pet health insurance company you are considering buying a pet health care policy from is whether or not your vet accepts that particular type of insurance. (more)

USA Pet Health Insurance

Many American pet owners don't realize that there are similar pet liability insurance plans available in the United States. Pet owners who would like to purchase pet liability insurance to cover any damages their pets might be responsible.. (more)