If you have pets, chances are you consider your furry friend part of the family, and no doubt you would be devastated if anything were to happen to your dog or cat. However, just like humans, animals of all types can suffer from a range of accidents and illnesses. Your pets just can’t turn to health insurance for free treatment. This means you must take them to the vet and deal with the devastation of your four-legged buddy being unwell, as well as facing a hefty bill.
Investing in pet health cover can give you peace of mind that, whatever injuries or illnesses befall your pet, they are covered should they need treatment.
What Does Pet Healthcare Cover?
Just like any other type of general insurance, pet insurance varies, so it is important to check the fine print and know what your pets are covered for. There are certain standard features across pet health policies. For instance, cover usually includes vet fees up to a certain annual amount, alongside boarding if your pet requires a stay at the vet, and advertising and recovery costs should you lose your pet. Furthermore, if your pet somehow causes a traffic accident, any expenses incurred as a result are covered under the liability section of your cover. However, routine treatments, such as annual vaccinations, spaying, and neutering are not usually included.
As for other aspects of pet healthcare policies, you may have to pay a little extra, which means choosing a more comprehensive plan. For instance, if you are faced with cancelling a holiday due to your pet falling ill, and you lose out financially as a result, standard policies are unlikely to cover the expense. Pay a little more for a comprehensive plan, though, and this type of protection may well be provided.
Getting the Best Insurance for You and Your Pet
Rather than choosing the least expensive cover you can find, you need to ensure you find the right policy for your pet’s particular needs. You don’t want to face not being covered just when you need it most. Typically, there are two main types of insurance for pets, and what you choose will depend on your budget. Lifetime cover is the most comprehensive, but you may be required to reinstate the policy every 12 months. However, your pet will be covered for life. This is a useful option if your pet suffers from a long-term illness, as you won’t have to worry about unexpected treatment costs.
The other kind of cover is annual, so it lasts for 12 months and then expires. This is a cost-effective option if your pet suffers a once-off illness or accident and you only want treatment for that. You’ll need to remember that once the policy ends, you pet will not be insured, and you will have to take out new cover if necessary, and any pre-existing conditions will not be covered.
Pet insurance is usually based on what you can afford, but the peace of mind knowing that your pet is covered cannot be beat.