| PET INSURANCE
Many pet owners are still unaware that they have the option of purchasing
pet insurance for their beloved furry friends. If you think about
it, we purchase insurance for our homes, our health, our vehicles,
and so on, but often overlook the very creatures that bring laughter
and joy to our lives. Best of all, pet insurance is affordable and
is excellent in time of sickness or injury.
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In the UK alone, 1 in 3 pets need treatment for either illness
or injury every year. Depending on the situation, the cost of treatment
could run you a lot of money! However, by choosing to buy pet insurance,
the cost of treatment is covered and your pet can be on its way
to recovery. Buying pet insurance has become more popular over
the past few years as the price of veterinarian treatment has risen.
To determine if pet insurance is right for you and your pet, you
should ask insurance companies the following questions:
• Will the policy provide third-party coverage?
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Will the policy provide boarding coverage?
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Will the policy provide medical coverage?
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Will the policy provide enough financial coverage to warrant a
claim?
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Will the policy offer an excess, and if it does, how much would
it cost?
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Are there any limitations to the claims – time or money?
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If your pet is lost or stolen, will the policy cover for advertising
fees and/or reward?
•
If your pet is lost or stolen and is never found or should die
from being injured or sick, will the insurance company refund any
money, and if so, how much and when?
•
What is the maximum amount of coverage that the insurance company
will pay to the vet within a one-year period?
Buying pet insurance is just like buying any other type of insurance
in that you need to know what to look for and ensure the coverage
is adequate for your pet. There are literally hundreds or options
so choosing can be a bit overwhelming. Therefore, as you conduct
comparison-shopping, make sure the policy will cover the following:
• Death – Make sure any money paid will help you purchase
a new pet, or if you prefer, cover the disposal of the pet’s
body in an appropriate manner
•
Missing Pet – The insurance should cover both advertising
to find the pet as well as reward money to encourage people to
return the pet in once found
•
Vet Bills – You want a policy that will cover the cost of
your veterinarian’s bills should your pet become ill or be
injured. Additionally, some policies will require you to see a
vet within a network. Therefore, if you are set on using only your
vet, make sure you have this option.
•
Third-Party – This type of coverage is valuable in that it
would cover any costs for damage or injury that your pet did to
a third-party. For instance, if the neighbor boy or girl were to
walk into your backyard and be bitten, the policy would cover medical
treatment for that child, or if your pet were to tear up the neighbor’s
garden, payment to the neighbor would be made for the damages incurred.
A few other options that are usually covered include the following.
Just remember that while these are typically a part of the policy,
they may be excluded but offered for an additional cost. Therefore,
always ask about these particular provisions.
• Holiday Cancellation – This would provide you with
protection against having to cancel your holiday plans if your
pet becomes ill
•
Boarding – If you were to need boarding for your pet because
you need to leave town for an extended amount of time, this would
cover the boarding expenses
When shopping for pet insurance, you will probably be surprised
by the variance in price. For this reason, it is crucial that you
understand exactly what will be covered, as a policy that is just
a little higher than another may also provide much better coverage.
For this reason, you want to educate yourself on the types of coverage
so you can ask the appropriate questions. These policy types include:
- Age Limitations – Some policies do have a
limit on the age of the pet. Therefore, always make sure
the policy will cover your specific animal.
- Excess – This refers to the overage you would pay
toward a particular claim if you did not have insurance.
By adding Excess on the policy, anything
above the claim amount covered would be taken care of by the insurance company.
- Lifelong
Coverage – Make sure that the policy covers the cost
for each single illness or injury. For example, if you
have a dog or cat with arthritis,
rather than treat the problem once, you want the policy to cover the problem
for the life of the pet.
- Maximum Claim Limitations – Be sure you know
the limit of coverage for each claim. If the pet were hit by a car and
the bills were high, you want
the policy to cover everything and not just to a certain level that would
not be very beneficial to you.
- Vaccinations – Some policies will
cover your normal vaccinations against certain illness such as Parvo,
heartworm, and so on.
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Pet owners, whether owning a dog, cat, horse, rabbit, and so on,
love their pets very much. The great thing about pet insurance
for pets is that they cover all ages. Therefore, if you have a
new puppy or kitten, or an older dog and cat, you can still find
the right policy to take care of your pet in time of crisis.
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