The best Pet Insurance deals in the UK
- get 10% off online - quote PAW012
- no maximum age limits on your pets
- they'll even help you find your pet if it's lost
- 24hr freephone hotline to qualified veterinary experts
- UK based call centres
- Their pet insurance is covered per condition so there is no restriction on the number of times you can claim
When comparing different pet insurance policies, make sure you go through the small print with a fine comb. Knowing exactly what you are covered for gives you the knowledge you need to make the most out of a policy. Many insurance plans will have exclusions for things like hereditary conditions or pre-existing health problems. Another thing to check is whether your breed of cat or dog is more susceptible to certain types of diseases, and whether the policy will pay out if your pet begins to suffer from that disease.
Once you have checked out the exclusions, pay close attention to what is covered as well, and ensure that all the things important to you are included in the policy. Perhaps you are concerned about your pet's dental health, or you want to make sure you are covered if you pet is involved in an accident and suffers from a broken leg. Check the policies you are comparing and look for the one that covers all the things you feel are important, and none of the things you are not concerned about, to help drive the premium price down.
Possibly one of the most overlooked but crucial aspects of a pet insurance policy is how much excess you must pay when you do make a claim. Every time you take your pet to the vet you will have to pay a set fee, and then the insurance company will cover the rest. Some policy's offer a really low premium, but set a large excess so that you end up paying a lot every time your pet visits the vet. Some insurance companies even give you a choice to raise the level of your voluntary excess. Your voluntary excess is an amount you agree to pay on top of the standard excess every time you make a claim. This makes your premium cheaper, but on the other hand you stand to pay a lot more when you do need to use your policy.
Pet insurance is something that you should use when you need to, and some of the benefits policy's offer can help to keep your pet in tip-top shape. If the excess too high, you might find yourself in the situation where you cannot afford to pay the excess to get the help you need for you pet. To be able to take full advantage of all the benefits a pet insurance policy offers, you should certainly consider finding a policy that offers a low excess. When you choose an excess you can afford, there won't be a problem when you want to use your policy.
Having a pet insurance policy can give you the help you need to keep you pet in the best possible health, and even help with things like treatment for behavioural problems or costs incurred when trying to find a lost pet. Taking your pet for regular visits to the vet to get checked out will make sure you are aware of any illnesses as early on as possible, and give your pet the best chance of a full recovery. Getting hold of expensive medications to treat infections or viruses will be much easier with pet insurance footing most of the bill. If your pet ever has to stay in hospital, for example if he or she was hit by a car, you can be sure that your pet will receive around the clock care and have the best chance of survival. Having pet insurance can really work for you if you use it to its full advantage, so get covered and give your pet the health care it deserves!Source: money.co.uk