Do you need pet insurance and is it worth it?

With pet insurance costing anywhere from £10 to £80 (for premium pet insurance) is it really worth paying for pet insurance?

Do you need pet insurance?

Why have pet insurance? 

Pet insurance gives you peace of mind for when your pet becomes ill, because treatments and surgeries can cost hundreds, even thousands if your pet becomes seriously ill and needs an operation. 

Do I need pet insurance?

Did you know the average pet insurance claim is around £420 for dogs and £470 for cats? and that is not counting if your pet has developed an on going condition. So you really you need to think can you afford vet bills if this happens or should you purchase pet insurance.

Most insurances will not pay for basic treatments such annual jabs and minor injuries, and some insurances will only cover your pet if they have had their annual jabs so make sure you always read the policy before signing it.

Get the right pet insurance cover

With pet insurance you only get what you pay for, and with so many options available its always vital that you look for the best policy and not always the cheapest pet insurance. Remember to also decide whether it is worth getting pet insurance when your pet is younger rather than older as it is more expensive (even more so if your pet has an exisiting medical condition).

Types of pet insurance

There 3 main types of pet insurance 

Capped pet insurance

This type of insurance will be a cap on the amount you can claim on your pet each year but you can continue to claim on the life of the policy. This type of pet insurance is good for pets with no or short term illnesses.

Limited cover pet insurance 

The limited cover pet insurance offers a limit paid and the duration of time your pet will be covered. This type of cover is good for puppies and and animal with short term illnesses.

Lifelong pet insurance cover

This type of pet insurance cover is great but if often the most expensive type of cover. Unlike limited and capped pet insurance cover, with lifelong pet insurance cover you can claim on each instance throughout the life of the cover of the policy and whats best is their is not usually a limit on what you can spend and when.

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