Compare Pet Insurance

Generally speaking, insurance entails covering for an unforeseen or unpredictable event. We know of the insurance of human lives, businesses, vehicles, properties, and animals. However, you might not have heard of pet insurance.

Affordable pet insurance simply means the premium paid to cover your cat or dog is within your means.  For the lot of us, pets are regarded as family so when you’re beloved pet suffers that fatal accident or falls ill, it is disconcerting. Especially when they are not insured beforehand.

The economy is such that visiting the veterinarian costs a fortune. The bills are often very expensive and this makes it important to get cheap pet insurance quotes.

Categories of Pet insurance

There are basically four categories of pet insurance and they are explained below.

Accident only Insurance

This pet insurance covers you in case your pet is involved in an accident. This insurance is also the cover for your injured pet. Many pet owners who seek to save costs compare cheap pet insurance quotes and they opt for this cover since it is the cheapest category of pet insurance obtainable.

Time Limited Pet Insurance

This pet insurance covers your pet only for a specific time, usually one year. If your dog or cat falls ill for a period of time, you can get this kind of cover for that span.

Per Condition Pet Insurance

This pet insurance is often referred to as maximum benefit insurance. This benefit apportions a fixed amount of premium to cover for an illness or injury of the pet.

Lifetime Pet Insurance

As the name implies, your pet is covered for life! This type is, however, the most expensive of. You should compare cat insurance quotes online in order to see covers which match your budget.

Getting Affordable Pet Insurance

Ensure that your pet gets covered early enough as many insurance brokers don’t cover pre-existing conditions. Do well to know the health status of that dog or cat before adopting or buying.

Also, pets that are susceptible to chronic conditions and tumors need to be covered on time. It is important to note that pet breeds influence premium rates as rare breeds are usually more expensive than common ones. Also if as a pet owner, you can afford to pay your increased excesses, your premiums can be slashed.

Multi-Pet Insurance

If you acquire more than one dog or cat you might want to consider multi-pet insurance for them. This policy has its own benefit as discounts are accrued to your premium.

Cat insurance

Cats are seen as spontaneous animals. Normally if a pet causes an accident the victim can sue the owner of the pet except if the pet is a cat. Cat insurance is influenced by pre-existing factors which include-age, health status. Sphynx cat has the dearest of premiums, followed by Oriental breeds then Domestic Shorthairs (moggies) are at the other end of the spectrum that has the lowest premium.

Dog insurance

Dogs are amazing creatures so selecting a suitable insurance package for it might be hectic for its owner. If a dog is involved or the cause of an accident, its owner can be sued for damages by the victim. It is important to note that insurance does not cover for behavioral tendencies of dogs.

Horse Insurance

Horse (equines) are large animals that give its owners fun and luxury. Hence it is pertinent to acquire adequate insurance. A horse is capable of endangering itself, its owner or even onlookers. Horses mostly are given lifetime insurance due to its nature.


Half of the customers using this comparison tool are quoted less than £40* for Pet insurance. You could be too!