Guide to Insurance

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Online Pet Insurance Quote

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Yet, you are three times more likely to need to make a claim on your pet insurance (if you have it) compared to your contents insurance!



Many cat and dog owners see pet insurance as unnecessary, yet every year, one in three pets make an unexpected trip to the vet, meaning their owner will need to find the money to pay for their treatment. These costs can literally run into hundreds ? sometimes even thousands ? of pounds.

As example, when 12 year old Timmy - a Bombay cat - was adopted from a local rescue by the Ashcroft family, they immediately got him checked over by their vet and then took out pet insurance at a cost of ?10.85 a month.

Mrs Ashcroft says: ?Having been a cat owner for many years, and knowing how vets bills can mount up, it seemed the natural thing to insure Timmy. We are so glad we did now. Just four months after we took out the insurance, a routine check up showed up a heart murmur. Diagnostic tests to discover just how the bad the problem was, plus ongoing medication and visits to the vet cost us well over ?700 in just a year.

?After that, further tests revealed a thyroid problem. Medication, tests and a operation the following year cost us another ?700-odd. Thankfully, our insurance covered most of these costs - we only had an ?80 excess to pay. Timmy will be on medication for the rest of his life and will need twice-yearly check ups, and the insurance policy will pay for this. It's comforting to know that we can afford to give him the best medical treatment and attention for the rest of his life?.

There are many specialist insurance companies offering pet insurance for your pet, from rats, rabbits and reptiles through to cats, dogs and horses, at affordable prices. And while cover varies from provider to provider and depends on the type of pet you are insuring, as a basic rule, injuries and illnesses are covered. (You should note that preventative treatment, such as vaccinations or dentals are not covered).

Each time you claim for a separate injury or illness, you will be expected to pay an excess - rather like your car or home insurance.

When choosing the right policy for you and your pet, bear in mind that while the concept is the same for all the insurers, each has its own terms, conditions and criteria. The following should be taken into consideration:

? Check that there is no limit on how long you can claim for each illness. For example, if your cat need tablets to control heart problems, or your dog has arthritis, the problem will need to be controlled for the rest of their life, not just a year or 24 months

? Check that the limit per illness is realistic - over time treatment for a single illness can cost hundreds of pounds

? Check that your pet will still be covered in later life when they will need it most. Some insurers terminate policies when a pet reaches a certain age

? Look out for special discounts, such as those offered in multi-pet households and for pensioners
Online Pet Insurance Quote
These days, pet insurance is receiving a good deal of attention, both in the marketplace and in the media. There is a terrific reason for this. People seem to love their mammals more than ever and having health insurance pet plan is a reasonably affordable way for people to assure that their pets will be able to receive the animal welfare care that they need. At the same time, such insurance coverage helps to protect the animal lovers from financial hardship in case of major health problems or accidents with their animals.

Just like health care coverage for humans, insurance for pets can provide for peace of mind, because you will know that they are going to be taken care of in the event of an emergency. There is nothing worse than to have the four-legged family member become ill and be put in the position of having to pass on treatment or even worse, to have to put the animal to sleep because of the cost. As with all types of health care, veterinary animal care costs are increasing on a continual basis.

Securing proper pet insurance coverage can protect the owners from having to make life and death decisions. This provides a measure of peace and security and reduces the stress of the owners of family pets, leaving them with assurance that their animal will be able to received proper veterinary attention when needed.

Pet health cover makes good financial sense for most families. In exchange for a small monthly insurance premium, the greater costs of long-term or emergency veterinary pet services will be taken care of by the pet plan.

While health care coverage for people has been available for many years and is almost considered a must have for every individual and family, insurance for animals is still a relatively new option for mammal owners. For those who have many of them, it seems like a very important thing to have, since dealing with illness or accident for multiple animals can escalate costs quite quickly.

Some mammal owners who have had a pet plan from the time that they were first introduced, say they would never again be without it. They have gone through the experiences of having their animals meet with trauma, accident or serious illnesses and can attest to the thousands and thousands of dollars they saved by having good pet health insurance.

There are many different types of cover policies and prices will vary depending on how extensive your coverage choices are. It is a good idea to take a good amount of time to research the various coverage options you have and compare the costs and also the reputation of the pet insurance company.

Some pet plans will cover everything including preventative types of veterinary treatments and visits. Others cover only emergency procedures. There are even some policies that cover the cost of boarding or kenneling related to the illness or treatment, and some that will cover kenneling when the family is simply traveling or if the caretaker of the mammal is ill and cannot care for the animal. For those who travel extensively, there are also policies available that will refund your cancellation fees if you must cancel a trip because your animal fell ill.

Comparison shopping for your pet insurance coverage will help you to have a complete picture of the various options you can choose that will impact the final cost of the coverage. Purchasing animal health cover can be a wise financial investment for the long-term well-being of your family pets and can help to assure that they remain a healthy part of the family for many years to come.
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Both Jason Hulott1 & Mike Selvon are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.

Jason Hulott1 has sinced written about articles on various topics from Used Car, Lose Weight and Online Dating. Jason Hulott is Business Development Director of Protection Insurance, an internet based insurance business dedicated to getting consumers the best rates and the best products. Visit our. Jason Hulott1's top article generates over 301000 views. to your Favourites.

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