Pet Insurance, Best pet Insurance, How to choose pet insurance.
Keeping a pet is a rewarding experience which many of us enjoy, but it can also be expensive. As well as all the routine costs such as food and grooming, you can also come up against unplanned expenses such as vetinary bills through sickness or accident. These bills can unfortunately be very high, so to ensure that their pets can get the treatment they need many people decide that taking out pet insurance is a sensible way of helping to cushion these costs. But what should you be looking for in a pet insurance policy? The first thing to consider is what kind of pet you have. The cheapest kind of pet insurance is that for the most common pets - cats and dogs. Prices for these policies can be very reasonable indeed, amounting to only the cost of a few tins of pet food a month. If, however, you keep a more unusual kind of animal as a pet, then the price you pay may well be higher. Make sure that any policy you take out specifically includes your kind of pet, as many will exclude more 'exotic' kinds of animal. The main reason for considering pet insurance is cover for medical treatment, but there are some exclusions that you need to be aware of. Firstly, your policy will almost certainly not cover routine treatments such as vaccinations, flea control, or worming. Secondly, you won't be covered for any pre-existing conditions that were already known about when you took out the policy (you should also declare any existing conditions when you take out the policy, or you risk it being declared invalid when you come to make a claim). You also need to check your policy for claim limits: there may be a time limit of cover, so for example a long-term condition such as arthritis may only be covered for a period of 12 months, after which you will be responsible for meeting the bills. There is also usually a limit to the total cost of medical bill claims you make in any one year, but this is usually high enough to cover almost any conceivable situation.
Keeping a pet is a rewarding experience which many of us enjoy, but it can also be expensive. As well as all the routine costs such as food and grooming, you can also come up against unplanned expenses such as vetinary bills through sickness or accident. These bills can unfortunately be very high, so to ensure that their pets can get the treatment they need many people decide that taking out pet insurance is a sensible way of helping to cushion these costs. But what should you be looking for in a pet insurance policy? The first thing to consider is what kind of pet you have. The cheapest kind of pet insurance is that for the most common pets - cats and dogs. Prices for these policies can be very reasonable indeed, amounting to only the cost of a few tins of pet food a month. If, however, you keep a more unusual kind of animal as a pet, then the price you pay may well be higher. Make sure that any policy you take out specifically includes your kind of pet, as many will exclude more 'exotic' kinds of animal. The main reason for considering pet insurance is cover for medical treatment, but there are some exclusions that you need to be aware of. Firstly, your policy will almost certainly not cover routine treatments such as vaccinations, flea control, or worming. Secondly, you won't be covered for any pre-existing conditions that were already known about when you took out the policy (you should also declare any existing conditions when you take out the policy, or you risk it being declared invalid when you come to make a claim). You also need to check your policy for claim limits: there may be a time limit of cover, so for example a long-term condition such as arthritis may only be covered for a period of 12 months, after which you will be responsible for meeting the bills. There is also usually a limit to the total cost of medical bill claims you make in any one year, but this is usually high enough to cover almost any conceivable situation.
