Most families consider their dog or cat as part of the family and when they fall ill or are injured the whole family is upset. It becomes more traumatic when treatment becomes unaffordable. This is where pet insurance comes in and the comprehensive coverage will ease the financial burden on the family.
But the hard truth is pet health care is expensive and unless you have a comprehensive plan in place, caring for your pet is going to be difficult. Today there are a number of private pet insurers who issue pet insurance policies. What you need to know, is that not all pet insurance policies are the same. You need to read the fine print rather carefully and find out if the policy covers cancer, accidents and pre existing conditions.
It is often hard for a lay person to find out which pet insurance policy is right for them. However, there are some thumb rules which you could observe. The first is that most of the very cheap policies don’t cover major illness or accidents. Once again you need the read the policy through to understand it.
The best part is that there are no networks in pet insurance. You can go to any veterinarian and get your pet treated and then claim the insurance, as the policies are agreements between the service providers and the pet owners. All you need to do is to fill out the form, attach the veterinarian’s invoice and send it to the insurance company.
The need for pet insurance in most cases arises from
- Emergencies such as broken bones, swallowing of objects and accidental poisoning,
- Chronic diseases such as diseases of the heart, liver and kidney and cancer
- Diseases such as pancreatitis or leptospirosis, or a bacterial infection
In the UK, almost all domesticated animals can be insured. There are, of course standard policies which insure cats and dogs. While some of the others include rabbits, birds and horses. In the case of more exotic animals, it is always best to get the most competitive quote in the market, by approaching as insurance providers who have expertise in these kinds of animals. In most cases, the premiums will vary according to the breed.
Most insurers in the UK, will reimburse veterinary fees and this the main reason that pet insurance is taken in the first place. The other benefits of taking pet insurance are – if your pet was to die in an accident, your policy may cover the price you paid for your pet. You are also eligible to third party liability cover, if your pet was to hurt someone or cause damage to someone’s property. You can even claim the cost of advertising if your pet went missing!