What can dog insurance cover?
Features of dog insurance could include:
Third party liability cover
– this insurance is usually specific to dogs and can cover you for court costs and compensation if your dog causes an accident, injures someone, or damages their property
Vet fee cover - Avoid huge bills if your dog is sick or injured
Complementary treatment insurance – cover for non-standard treatments for your dog, such as hydrotherapy
Boarding fee cover
- for overnight stays if your dog needs 24 hour care, or if you are hospitalised and need your dog to be taken care of during your stay
Advertising and reward costs - In case your dog goes missing
Option to pay by Direct Debit
– spread the cost of your dog insurance over the year
Multi-pet discount – get a discount when you insure more than once dog
Additional cover options
– top up your dog insurance with extra cover options ranging from cremation costs to holiday cover
Pet bereavement helpline – losing your dog can be a very upsetting time, and many pet insurers offers free phone support helplines to help you through this difficult period
Types of dog insurance
Some of the options available for your dog insurance include:
Lifetime dog insurance – A lifetime pet insurance policy offers the most comprehensive level of cover for your dog. These plans, as the name suggests, are designed to last for the entire life of your pet, covering any new illness or injury after the date the policy is taken out (you will not be covered for your dog’s existing illnesses or injuries). These policies require annual renewal, so make sure you set a date to renew each year or you will no longer have the cover you need.
Non-lifetime dog insurance – this type of dog insurance limits how much they pay per condition before it's excluded. This type of dog insurance will pay out a set amount for any different conditions your dog has, with no time limit. However, once the payment limit is used up, no further payouts will be available.
Time-limited non-lifetime dog insurance - this type of dog insurance offers the same limited payout plan as non-lifetime pert insurance, but also places a time limit on how long you can claim for the condition. After this time has elapsed, the condition will be excluded from any further payouts.
Accident-only dog insurance – This is the most basic type of dog insurance policy and only covers your dog for accidents and injuries. Other illnesses are excluded. The policies may be cheapest at the outset, but they could prove expensive if your dog gets ill in the future as you will not be covered.
You can compare the best dog insurance deals with our free comparison table - just click on the links above and below to compare features and apply online for discounts and best buys.