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What Does Pet Insurance Cover

By George G.

Pets are considered part of the family for many pet owners. They deserve the same amount of love and care just like any other member of your family. And, good healthcare is important for your dogs and cats.

However, the cost of seeking proper medical care for your pets don’t usually come cheap, and they can cost even more in extreme cases of accident or illness.

Factor in the cost of food and bedding, keeping a pet at home can be rather expensive. To protect yourself from escalating costs, it’s a good idea to buy an insurance policy for your pets. For a premium of under £7 per month, you can fully insure your beloved cat or dog with a quality pet insurance policy.

How Pet Insurance Works?

1. After you signed up for a pet insurance, your policy takes effect in 3 days for accident coverage, and in 14 days for illness coverage.

2. When your pet is ill or injured, you need to bring a claim form to the vet’s office, and get him to list a diagnosis and sign the form.

3. Send your completed claim forms, with attached copies of receipts, to your pet insurer. It takes about 2-3 weeks for your cheque to arrive in the mail.

Take not that not all pet insurance is the same. For most insurers, “pets” means either a cat or a dog. So if you keep exotic pets and small mammals, search around for specialist insurers who insure such pets.

What to Consider when Buying Pet Insurance Policy?

Keep the following tips in mind when you decide to insure your dogs or cats. They can help you determine whether the pet insurance policy you’re considering is of sufficient quality, or just another run of the mill pet insurance policy

1. Varying choices of cover to best suit your circumstances and your pet's requirements. Know exactly what you need to have to be covered in the insurance policy.

2. A considerable sum to cover veterinarian fees of about £5,000 per condition, with the option of no time limit for treatment, if needed.

3. Cover for your pet, whatever their age. That means no upper limit.

4. No loaded premiums for paying monthly rather than a year in advance.

5. Customer service helplines easily and readily available to you.

6. Ask for discounts if you’ve more than one pet which needs coverage.

7. Carefully read all the clauses on deductibles, surcharges and exclusions before taking up the pet insurance policy.

8. Some quality pet insurance providers offer online discounts of about 10%, but make sure you check with them first.

This is not a definitive list and there may be other benefits or features that you might want with your pet insurance, such as paying for advertising to find a lost pet, but it’s a good place to start.

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