What is pet insurance?
Pet Insurance – One in three pets will require an unexpected visit to the vet every year. Pet insurance is designed to cover the cost of veterinary treatment for ill or injured pets, allowing pet owners to afford the very best healthcare for their much loved dogs, cats, rabbits and other domestic animals. Pet insurance may also provide cover for loss or theft of pets; death; holiday cancellation; boarding and kennel fees; and third party liability in the event that a pet causes damage to another person or someone else’s property.
Insurance for pets has been established in the UK for over 30 years and it is a fact that more people claim against their pet insurance policy than against car or household insurance policies (source: Allianz). With veterinary fees increasing as scientific developments allow increasingly complex procedures, pet insurance can provide pet owners with real peace of mind.
As with all insurance policies, there are different levels of cover available and it is vital that pet owners understand these and how they might affect future claims. Some policies will only cover an animal for up to 12 months after an injury or after an illness is diagnosed. This means that if a pet requires longer term treatment, it may not be covered. Other policies offer lifetime cover, allowing ongoing treatment for an unspecified period as long as the policy is in place. As with other types of insurance, different levels of cover are available so that vets’ fees may be capped.
When buying pet insurance, check the policy coverage details to guard against any nasty surprises in the event of having to make a claim.
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