There is no NHS for pets, and many of their injuries and ailments can be very expensive. Every pet owner has heard stories of vet bills coming at exactly the wrong time – they can make a real dent in your finances. It’s not unheard of for families with pets to find their credit cards maxed out briefly and paying down that debt is expensive.
Pet insurance is a great way for pet lovers and their families to protect against those moments of crisis.
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Pet insurance is commonly available for:
Smaller mammals like gerbils and hamsters can also have insurance, though their shorter lifespans mean this is less common.
Some insurers also cover exotic pets, including:
However, not all insurance providers are willing to do so, and the cost of insurance can be higher as a result.
Venomous animals are not insurable. However, if they come into contact with members of the public, liability insurance may be useful.
Pet insurance can be loosely divided into four types:
These vary in what they cover and in their cost.
Accident Only pet cover is usually the cheapest type of pet insurance. However, it only covers you if your pet is injured in an accident.
Time Limited pet insurance works like term life insurance for humans. You’re covered against accident or short-term illness, but only during a specific period set by the insurance – usually 12 months.
Per Condition pet insurance is also called ‘maximum benefit’ cover. These policies allocate a separate fixed sum of money for each illness or injury. Cover like this means that if your pet’s ailment turns out to have an underlying condition, you are covered for both – hence ‘maximum benefit’.
Lifetime cover is usually the most expensive type of cover. However, it protects your pet throughout the course of its life.
Some features are almost standard across pet insurance policies. For the areas your policy covers, your policy will usually handle:
However, pet insurance can’t be claimed against for routine check-ups or pre-existing conditions. You usually won’t be able to claim preventative treatments, either.
Fill out the form above to get started with pet insurance comparison. The quotes you’ll be shown are a selection of quotes based on pets like yours and will give you a clear idea what you can expect to pay and what cover is available.
Take your time reading through the available options and make sure the policy you choose has the cover you need at a price within your budget.