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Compare Pet Insurance Quotes

Being a pet owner comes with a lot of responsibilities. All of a sudden, you have an extra member of the family to look after. Naturally, pets produce numerous concerns that can cost a lot of money. As a result, the topic of pet insurance will often come up.

What is pet insurance and do you need it? You should understand more about this topic before you decide to take out a policy. So, here’s everything you need to know:

What is pet insurance?

Effectively, it’s a safety net to protect your finances in situations where you might be forced to pay a lot of money because of your pet. This includes instances where your pet gets sick and requires expensive veterinary treatment. Pet insurance is in place to give you a financial buffer, ensuring that you get the services you need without harming your bank account.

What does pet insurance cover?

Most pet owners are unaware of just how much coverage you can get out of pet insurance. Obviously, this varies from provider to provider. However, most standard insurance policies will cover the following things:

Vet Fees

This is the most common reason for taking out a pet insurance policy. If your pet gets injured or falls ill, then they might incur massive veterinary fees. Insurance comes into play to cover these costs. The amount of coverage you get can vary, but it typically starts at around £500 and can increase over £10,000.

It’s important to note that this doesn’t include your standard vet fees. You still have to pay for them out of your own pocket. Regular checkups and jabs fall into this bracket, so your pet insurance doesn’t cover them!

Unexpected Death

It’s not something any pet owner wants to think about, but your pet could die unexpectedly. Normally, this happens after they’re in an accident - or if they fall ill out of the blue. Pet insurance can cover the cost of what you paid for your pet, which can give you money to buy a new one.

Some pet insurance policies will also provide coverage for funeral costs as well. This may include compensation to go towards paying for cremation or burial.

Missing or Stolen Pets

The majority of pet insurance policies cover you if your pet gets stolen or goes missing. For stolen pets, you will need evidence that somebody has taken them away against their will. Then, you will receive compensation that equates to the value of your pet.

For missing pets, you can often get compensation to help pay for posters or rewards as you search for your pet.

Liability

This coverage is for dogs only. Essentially, it provides cover in cases where your dog might injure someone or damage their property. Even if you have a well-trained dog, this can happen by accident.

In effect, it protects you if somebody makes a claim against your dog. Coverage is typically for £1 million or more. There’s third-party liability coverage that’s available as a standalone pet insurance policy. R, you can add it to an overall policy.

Travel Cover

If you go abroad with your pet, then your insurance may cover them if they fall ill, get lost, or are involved in an accident. Obviously, if you never go away with your pet, then this is pointless coverage to have. Also, it may be possible to take out pet travel insurance on its own before going away.

Dental Treatment

Pets need dental treatment just as much as humans do. While regular checkups aren’t covered, the cost of any extensive dental treatment will be.

Kennel or Cattery Fees

In situations where you’re incapacitated - and unable to find someone to look after your pets - your insurance may cover the fees to put your pet in a kennel or cattery. This coverage usually only kicks in if you have been hospitalised for more than two days in a row.

What types of pet insurance are available?

Along with the different coverage options, there are different types of pet insurance policies to choose from:

Lifetime

This is the best coverage you can get as it covers your pet for life. Premiums tend to start off low and get higher as your pet ages. This is simply because there are more health risks to older pets.

Annual

Here, you get 12 months of coverage that automatically renews every year. The benefit of this option is that you can switch providers at the end of each year. So, it opens the door to perhaps find cheaper pet insurance year after year. The drawback is that you don’t get the full-scale cover that lifetime offers.

Accident-Only

If you really want cheap pet insurance, then this is the option for you. It only covers accidents, so you get no coverage for illnesses.

How To Compare Pet Insurance Quotes

There are lots of expensive and cheap pet insurance providers out there. It’s important to compare pet insurance policies as this helps you find the best deal for you. Here’s what you need to do:

Assess the needs of your pet:

What type of coverage does your pet actually need? Not getting illness cover can save money, but it’s a big risk. However, do you really need overseas cover or kennel cover? Think about your needs and this helps you decide what coverage options to choose.

Pick a type of insurance:

Will you opt for lifetime, annual, or accident-only? Only compare the insurance types against one another. This gives you the best comparison between options that suit you best.

Look at the level of coverage:

How much coverage are you offered by the different providers? In some cases, the more the better. However, it could save money if you’re given the option to choose low amounts of coverage.

After looking at these things, you should have a selection of pet insurance quotes to look at. Now, compare them against one another to see which one is the most affordable while ticking all of your boxes.

In summary

This is everything you need to know about pet insurance. It’s not technically essential, but it can give you some financial security and offer protection against unexpected events. Understand what coverage you can get, choose a polity type that suits your needs, then compare cheap pet insurance quotes!

At some point in your pet’s life you may need to seek veterinary care. can easily get illnesses or injuries that need medical attention. Some issues can be minor and some can be life threatening. The costs can really begin to mount up and you can end up paying out a lot of money.

Many of us consider our pets as a treasured part of our family, if anything happened to them we would be extremely upset. Some treatments and life-saving operations can cost thousands, no one wants to have to make the heartbreaking decision not to pay for treatment because the price is just too high. Insurance covers your pet for circumstances like this, so that you can feel safe in the knowledge that your pet is protected. Pet insurance provides peace of mind, so that you know that no matter what your pet gets up to they can get their treatment paid for. It’s a sensible way to manage the costs of veterinary bills and other things that pets need to be insured for.

How to Get the best deal on Pet Insurance

Pet Insurance companies are up there with estate agents in the popularity stakes! If you are already forking out for policies on your car and your home, you may not be feeling inclined to contribute any more to the coffers of the insurance companies. Particularly if you have struggled to get them to pay out on a claim in the past. However, insurance could prove crucial if your pet has an accident or falls ill. Without decent cover, you may not be able to afford the treatment that your animal needs. Would you want to take that risk?

The Potential Costs

Medical treatment for your pet can prove very costly indeed. The most recent statistics released by the insurance industry indicate that the value of the average claim in 2016 was £757. Treatment for a serious condition could run into the £thousands. But only 25% of pet owners in the UK currently insure their animal.

There were a total of 932,000 claims in 2016 with pay outs totalling £706milllion. Some of the more unusual claims made were for the treatment of an anorexic Burmese python, a spaniel who had swallowed a turkey baster and a cockatoo with respiratory problems.

Pet insurance can be expensive and so you might feel that you would struggle to afford the monthly premiums. You may never need to make a claim. But at least you will have the peace of mind of knowing that you will never have to face an enormous veterinary bill.

An Alternative to Pet Insurance

You do have the alternative of simply saving money every month to build up a safety net to cover your costs should the worse happen. But saving requires a great deal of discipline. Many a pet owner has started out with every intention of putting money aside but has then failed to actually save much if anything at all.

How to Make Savings

If you are going to insure your pet, there are ways to save at least a little of your hard-earned cash:

  • Decide from the outset whether you are going to insure your pet or not. The younger your pet is when you first approach the insurers, the cheaper your policy will be initially and the lower the cost is likely to be over the lifetime of your pet.
  • Choose lifetime cover rather than a 12-month renewable policy. Lifetime cover can look more expensive at first but you are less likely to have trouble getting your insurer to continue to cover your pet if they do experience health issues. If you find yourself unable to renew a 12-month policy, this can result in a massive increase in cost when you have to move to a different insurer.
  • Check the terms of the various policies carefully. Certain policies may not be appropriate for your pet because they do not cover existing conditions or animals over a certain age. Some policies will offer more comprehensive cover than others. Be sure that you are comfortable with the quoted excess and read every clause so you know exactly what your animal is covered for. The cheapest policy may not be the best value overall.
  • You may be able to get a better deal if you microchip your cat. Dogs must be microchipped and so this process will not improve your premiums.
  • It can be worth accepting a higher excess to get a lower premium.
  • If you have more than one pet, look for multi-pet deals.

Pet insurance isn’t the best choice for everyone but it is certainly worth considering. If you do decide to go ahead, it pays to do your homework!

Benefits of pet insurance

The main benefits of pet insurance are:

  • It gives you peace of mind
  • You know how much you are spending
  • Your pet will get the care they need
  • Some policies include third party cover in case your pet damages property or injures people
  • Piece of mind
  • Optional cover for loss or stolen dogs, death and advertising if your pet is missing

Policies vary

One of the most important things about pet insurance is that policies vary hugely. There are so many different options and things you may or may not want to include on your policy. Have a think about the most important things you want your pet to be insured for and keep these in mind when looking for don’t simply look at the cost. Different insurers have different rules and clauses, so make sure your chosen insurance company ticks all the boxes before you sign up.

Excess

Excess also varies greatly between different insurers. Be sure to watch out for the excess on insurance policies, especially for older dogs. The monthly cost might be fairly cheap but if you have to keep paying out a large excess then it will end up costing you more. Find a policy with an excess that you think you can realistically pay each time your pet gets sick. Pet insurance excess can vary from under £50 to £500 or more depending on what pet you have and their circumstances.

Cost Influences

Why do some pets cost so much more to insurance than others, when they are the same animal with similar characteristics? There are some common cost influences when it comes to pet insurance. The main things that influence cost is Location: vet practice costs vary throughout the country depending on location so your insurance company will factor this in, amongst other things...

  • Age
  • Breed
  • General health

Cheap or premium cover?

Make sure you don’t simply go for the cheapest possible cover, it may not be suitable for your dog. The cheapest options are not necessarily the best. Review insurance policies not just on price but on the things that are included in different policies. You want to ensure your dog is covered for anything they might need. Comparison sites are quite useful for finding the best deals and can help you to easily compare what is offered in different policies.

Exclusions

When you are searching for the right insurance you need to be aware of the main policy exclusions. Once you have found a company you are happy with check to see what their exclusions are. There are some general exclusions that most companies tend to agree on for example:

  • Dental treatment
  • Vaccinations are not included
  • Pre-existing conditions
  • Neutering

Lifetime or Annual cover?

Generally there are two types of cover when it comes to pet insurance. Lifetime cover is as the name suggests, cover for life. If you keep paying your premiums and stay with the same insurance company your dog should be covered for life. Not all pet insurance companies offer this so this is something to look out for when comparing policies. If your dog gets an illness or condition that returns then you should be covered.

If you don’t want to stay with the same company and want to be able to compare deals each year then you may prefer an annual policy. However, the annual policies do not offer cover for life and will not pay out for pre-existing conditions.

Ways to save money

Here are a few ways you can save money on pet insurance by being proactive:

  • Get your pet microchipped
  • Keep up to date with vaccinations
  • Multi-pet discounts
  • Have your pet spayed or neutered

Check terms and conditions

It’s crucial that you check the policy terms and conditions very carefully. It’s always important to read the fine print and make sure you understand everything included in the policy. This way you will know what you are signing up for and avoid any nasty surprises.

Useful Optional Extras

You can pay more to get optional added extras for your pet insurance including:

Holiday cancellation:

If you have to miss your holiday because of your pet.

Personal illness:

A select few insurance companies will pay for your dog to go into boarding if you fall ill and are unable to care for them.

Lost pet:

If you lose your pet you can get money towards advertising to find them, travel and loss of earnings.

FAQ’s

Does age matter?

Yes, older pets can be more expensive to insure. Some companies will not insure pets who are over a certain age. However, if you stay with the same insurance company they should insure your pet throughout their life.

What is third party liability?

This is an important part of the insurance policy, especially if you own a dog. This protects you in case your pet causes any damage to property or injury to people, some insurance companies will pay a certain amount towards legal costs.

Are crossbreed dogs cheaper to insure?

Generally crossbreeds are cheaper to insure. This is because they are not as susceptible to inherited diseases that are more common in pedigree dogs. They are less likely to get an inherited illness. This is simply a summary of some of the different things you need to be aware of when it comes to pet insurance. It does not include everything you need to know. Please check with your insurance provider to confirm any information you are unsure of.

Pet Insurance and Obesity

Insuring your pet helps you to avoid huge veterinary bills if your furry friend requires surgery or other costly treatments. But cover doesn’t come cheap. Which makes it all the more frustrating if you are refused payment following a claim.

You probably realise that you must declare all of your pet’s pre-existing conditions and previous health issues when you take out your policy. But did you know that your insurer could refuse to pay out if your pet is overweight?

Refused Claims

Many pet owners are finding that their claims are being rejected because their animals are obese. So many, in fact, that the Financial Ombudsman Service received 422 complaints in the last three months of 2017 regarding failed claims which involved obese pets.

But the Ombudsman didn’t have much sympathy for the pet owners and upheld just 26% of their claims. In the remaining 74% of cases, the Ombudsman ruled that the insurance companies were justified in refusing to pay out.

Pet Insurance Complaints Soar

Complaints about pet insurance are on the rise. Indeed, complaints increased by a massive 38% last year. One complaint which was referred to the Ombudsman was against Allianz Insurance after the company refused to cough up for medical bills relating to a dog’s treatment for a cruciate ligament condition. The owner concerned had not declared any issues with his dog’s knee. He then visited his vet because the dog was limping and a cruciate ligament problem was diagnosed.

Overweight Dog

The dog underwent surgery and physiotherapy to address the problem but when the owner submitted his claim to Allianz, it was refused on the grounds that the pooch was overweight. The company said that they would have excluded hip, leg and shoulder disorders from the policy if they had known that the dog was overweight at the time the policy was purchased.

Complaint Upheld

But the owner did not believe that the ligament issue was related to his dog’s weight and complained to the ombudsman. On this occasion, the owner’s complaint was upheld because the dog’s vet has classified the animal as overweight but not obese and Allianz had not asked any specific questions about the dog’s weight. Allianz were instructed to reassess the claim and to pay £350 compensation to the owner of the dog.

How Overweight is Your pet?

It would appear that the outcome of a claim could rest on exactly how overweight a pet is and that could be a grey area. It would be best to ensure that your pet is the correct weight, not just to satisfy your insurer, but for the sake of your animal’s health and wellbeing

Have you had a claim refused because your animal is overweight? Has your insurance company asked about your pet’s weight? Let us know!

In conclusion: is pet insurance really worth it?

Pet insurance is one of the many types of insurance that you might need to purchase in your lifestyle. It helps to cover the cost of veterinary treatments and other unexpected costs that are related to your pet. Most people have dog insurance or cat insurance to help cover the veterinary bills of their pets. However, you can also get rabbit insurance or insurance for other smaller pets. You can even get multi-pet insurance to cover a whole family of companions.

But is pet insurance actually worth it or is it an unnecessary expense? In this article, we’ll be looking at what pet insurance can really provide and if it’s worth the investment.

Is pet insurance worth the investment?

Pet insurance policies in 2018 cost an average of £279 per year. In comparison. The average pet insurance claim was £793. However, claims can easily run into thousands of your pet developing a chronic or long-term condition that needs constant treatment and monitoring. These costs are a rough estimate, but it’s easy to see just how much money you can save with pet insurance.

Different pets have different risk factors

However, the exact costs of a pet insurance policy will greatly depend on the condition and age of your pet. For example, an older animal may cost more to insure because they’re more likely to develop some kind of illness. Similarly, certain breeds of cat and dog that are more susceptible to disease might cost slightly more to insure due to the increased likelihood that they’ll need medical attention.

You’ll also need to personally assess the likelihood that your pet experiences an accident. If they spend most of their time in the safety of your home then they’re less likely to experience an issue. In comparison, if you let your cat roam the neighbourhood and don’t pay much attention to where they are, it’s common to have cat insurance to cover for any unexpected costs since they’re at a higher risk of being injured or developing an illness.

To summarise, here are the types of pet insurance again:

There are three main types of pet insurance policy to choose from.

1. Lifetime pet insurance

This is the most coverage you can get as it extends to the entire duration of your pet’s life. Premiums start low and will increase as your pet gets older due to the increased risk. 

2. Annual pet insurance

This offers 12 months of coverage that will automatically renew every year. However, you can switch providers at the end, meaning you’re always able to switch to an alternative plan that can offer better coverage or lower costs depending on your needs. 

3. Accident-only coverage

This is the cheapest option that only covers accidents. It doesn’t cover illnesses or long-term conditions.

What does pet insurance cover?

Pet insurance is similar to other forms of insurance in that they can cover a variety of different things. It’s important to look at the policy in greater detail to see exactly what it can pay for. You should also be reading the fine print of your policy to see if there are any limits to the amount you can claim for specific issues.

In most cases, your pet insurance policy will likely cover the following.

Veterinary bills 

Veterinary bills are the most common form of pet insurance cover. It’s important that you read the fine print in regards to veterinary bills as there may be a cap involved for certain types of illnesses or treatments.

Behavioural problems

When treating behavioural problems, you can expect to get cover as part of your pet insurance policy. The treatment must be carried out by a professional that is a part of the network that your insurer works with.

Liability cover

If your pet was to ever be responsible for injuring someone else or damaging property, then liability coverage will cover any costs that you’re legally responsible for. This generally only applies to dog insurance since they’re more likely to cause damage to property or even injure someone. Policies may also specify that you’re not supposed to admit liability. 

Cattery and kennel fees

If your pet needs to stay in a hospital for several days, your policy will typically cover the costs. Make sure you check the fine print as it’ll explain the exact circumstances where your pet insurance policy will cover the costs.

Loss and theft

If your pet was purchased then this will cover the price that you paid. You’ll require some proof of purchase, otherwise, your insurer will pay whatever is considered the “market value” for your pet. Your policy may also cover costs involved in looking for your lost pet, such as advertising and printing posters or flyers. They’ll also partially cover the cost of a reward. While it can be a distressing situation, most policies will actually cover the cost of a new pet if they are not found.

Death by illness or injury

Lastly, if your pet passes away by illness or injury then your policy will typically cover the pet’s purchase price. You’ll need to arrange for a vet to confirm the cause of death. Your policy might also have an age limit that determines if the pet has died from an illness or if it was old age. Most policies will also cover the cost of euthanasia if your pet has to be put down.

Finding a good pet insurance deal

A good pet insurance deal will help protect your pet for an affordable price. Since pet insurance can be relatively expensive, you’ll want to do a bit of research on the best time to purchase pet insurance and how to look for a great deal.

Saving money on pet insurance

While a cheap pet insurance policy can be enticing, we wouldn’t recommend blindly signing up for one. This is because the policy might not offer much cover for certain things and they might have low limits when it comes to covering for veterinary bills.

Thankfully, there are some other ways to save money on pet insurance.

For starters, you should try to get a pet insurance plan going as soon as you can. The younger your pet is, the more likely you are to get a good deal. If you try to get a pet insurance policy when your pet is already quite old, there’s an increased risk that they’ll develop a health problem. As a result, you might find it difficult to get the cover you need, or you may need to pay more.

You might also want to consider a lifetime pet insurance plan. While these options are quite expensive, it covers life-long conditions that your pet may face. This may be the best option for dog and cat breeds that are known to suffer from chronic conditions.

Multi-pet insurance

If you have multiple pets, you may want to consider a multi-pet insurance plan instead of getting several one-pet plans. It’s a good way to save money as you’ll get a discount for every pet that you place on the policy. In most cases, you’ll get a 5% to 10% discount on the cost of your insurance plan. However, other companies will give a fixed discount per year depending on the number of pets you insure.

It’s a good idea to look for a multi-pet insurance quote from different insurance companies to determine if you can save money. You should be mindful of the fine print as well since there may be a shared pool of funds that can be used to cover the costs. There’s also usually a cap on the number of pets that you can include in a multi-pet insurance plan.

Using price comparison websites

The most effective way to shop around for a good deal is to use a pet insurance comparison website. Before using a website or service to compare pet insurance quotes, it’s important to assess the needs of your pet and the type of insurance you’re looking for. Once you’ve set some conditions, you’ll have a much easier time comparing pet insurance services from some of the top sites:

Alternatives to pet insurance

There are also a couple of alternatives to pet insurance that could save you money. For example, you can self-insure a pet which involves setting aside some money to pay for potential veterinary bills. This can be a cheaper method of insuring your pet if they’re unlikely to suffer any medical conditions or be injured. For example, a young cat that stays at home is less likely to experience issues than an active older cat that roams the neighbourhood.

You could also consider contacting a charity group for treatment if you’re unable to afford pet insurance. Charities such as The Blue Cross and The Royal Society for the Prevention of Cruelty to Animals (RSPCA) offer free treatment options to people on a low income, who are retired or receive certain state benefits.

Important Legal Disclaimer:

Please note; Time for Paws assumes no liability for the content of this page. Please consult with a Vet and/or legal expert on pet insurance matters and we take no responsibility for actions taken on the basis of these views put forward in this article. This content is designed to provide with a good overall understanding of the pet insurance landscape and in no way offers legal advice or guidance.

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