Article Title: Does Your Pet Need A Pet Insurance Policy?
Author: Simon Markham
How likely are you to need pet insurance? According to one
provider of a popular pet insurance plan, over one-third of
policy holders end up claiming on their policy at least once.
And pet insurance isn't necessarily an indulgence for owners
who'll pay anything to keep their pets healthy, say industry
spokesmen. According to the latest figures, a good pet insurance
policy can shield you from hefty vet fees if your pet requires
medical care.
- £2500 for hip replacement for a typical dog
- £1,200 to set bones and care for a cat injured by a car
A good pet insurance policy will cover expenses in a number of
different types of situations.
- Property damage by your pet
If rover gets loose and uproots the neighbor's prize petunias,
don't despair. If your home insurance policy doesn't cover the
cost of replacement (some policies do), your pet insurance
should. Some policies will cover damage done to your rented flat
by your pet as well.
- Kennel fees if you fall ill
Who'll take care of your pet if you end up hospitalised for any
length of time? Most pet cover will pay for kennel fees or
cattery fees to board your pet while you're in hospital. That's
one less worry for you so you can concentrate on getting well.
- Advertising costs for a lost pet
Most pet insurance policies reimburse you the cost of printing
Lost Pet posters and advertising expenses in case your best
friends wanders off or is lost.
- Vet bills
The amount that your pet insurance will pay on vet bills varies
and can depend upon many factors, and there can be many
exclusions. If you own a pet that is prone to congenital
conditions, you may find that those are excluded from cover, for
instance, as will be most pre-existing conditions.
- Compensation for accidental loss or death of your pet
If your pet is lost or stolen, the policy may pay out a death
benefit for burial or disposal, as well as replacement cost for
the animal. While nothing compensates you for the loss of that
particular pet, it can be an important benefit if your pet was
an expensive breed that you'd like to replace eventually.
- Payment for holiday cancellation if your pet becomes ill
You may have travel insurance, but it's not likely to pay out
if you choose to stay home because your cat is ill. Pet
insurance, on the other hand, can do exactly that.
How to Save On Pet Insurance
Like vet bills, the cost of pet insurance is rising steadily,
but you can still find some excellent bargains. The key to
getting value for money from pet insurance is to know what you
need and to get it by shopping around. There are currently over
400 different pet policies on offer in the UK, and prices can
vary by quite a lot. Shop online at insurance price comparison
sites and get quotes from several different providers.
Don't make the mistake of buying based on the cost of the
premiums alone, though. Compare the benefits offered on the
different policies to choose the one that's the best fit for
you, your pet and your budget.
About The Author: To find out more about getting value for
money from a pet insurance policy visit
http://www.uk-
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