Dog & Cat Pet Insurance
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Pets Insurance With Free Gift
There are some insurance companies that may choose to provide incentives to encourage you to purchase your pet insurance policy from them. Free gifts are often available with certain policies if you purchase a pet insurance deal that is designed to benefit you with comprehensive pet insurance cover. Although the thought of obtaining a free gift with your pet insurance may be appealing, you should make sure that the pet insurance policy you choose includes all the coverage that you may require.
It is always wise to compare pet insurance quotes from as many providers as possible before purchasing a particular policy. To this end, you may wish to take a look at our pet insurance comparison tables before deciding on the right policy for you.
If you are considering purchasing pet insurance, It is important to remember that there are many different types of policy available, and may provide cover in the following areas:
- Vet fees – as your animal gets older, the likelihood of it becoming ill is bound to increase, and therefore a pet insurance policy may cover your veterinary fees.
- Public liability – if your pet hurts someone and they make a successful compensation claim, your insurer may cover the cost of the associated legal fees and compensation.
- Personal accident – if your pet has an accident your insurer may cover the cost of vet fees.
- Theft and loss – if your pet is stolen your insurance may cover the cost of advertising to find your pet. Your insurer may also provide finance to cover the cost of a reward for anyone who finds your missing pet.
A pet insurance policy with a free gift may be included as part of a particularly comprehensive insurance policy. Although insurance quotes for these policies may include a variety of different features, it is important to shop around as much as possible in order to find a deal that is ideally suited to your pet.
How Does Pet Insurance Work?
- Vets fees – Avoid one off bills
- Reward and advertising costs – In case your pet goes missing
- Holiday cancellation
- Boarding fees – For when your animal needs to stay in care
Typically pet insurance will not cover:
- Pre-existing conditions
- Problems within the first 10 days of cover
- Breeds that come under the Dangerous Dogs Act 1991
- New policies for any pet younger than 8 weeks, dogs over a set age e.g 9 years and cats e.g. aged 11 years and over
What types of pet insurance are there?
Some of the options available from pet insurance companies include:
Lifetime pet insurance – A lifetime pet insurance policy offers the most comprehensive level of cover for your pet. 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 pet’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 pet insurance – this type of pet insurance limits how much they pay per condition before it’s excluded. This type of pet insurance will pay out a set amount for any different conditions your pet has, with no time limit. However, once the payment limit is used up, no further payouts will be available.
Time-limited non-lifetime pet insurance – this type of pet insurance offers the same limited payout plan as non-lifetime pet 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 pet insurance – This is the most basic type of pet insurance policy and only covers your pet for accidents and injuries. Other illnesses are excluded. The policies may be cheapest at the outset, but they could prove expensive if your pet gets ill in the future as you will not be covered.
What Is The Best Insurance For Dogs?
Buying Dog Insurance
When it comes to choosing the right dog insurance there are a range of choices available depending on your budget and on the level of cover you wants.
Some of the options available from pet insurance companies include:
Lifetime dog insurance – A lifetime dog insurance policy offers the most comprehensive level of cover for your pet. These plans, as the name suggests, are designed to last for the entire life of your pooch, 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 pet 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 pet 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 insurance offers the same limited payout plan as non-lifetime cover, 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 pet 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 pet gets ill in the future as you will not be covered.
What Is The Cheapest Pet Insurance Available?
When comparing pet insurance policies it’s a good idea to shop around and compare a wide range of insurers.
Look for specific policies for your pet, as many insurers offer specialised cat, dog, horse, or exotic pet insurance, which could offer a better deal and a level of cover that is tailored to your pet’s specific needs.
You can compare a range of deals from pet insurance providers with our free comparison service. Just click on the links above to compare features and apply online today for great discounts.
What Is the Best Multi Pet Insurance Policy?
- The multi-pet discount offered – most pet insurance providers offer you a discount if you insure more than one pet under the same policy
- The level of vet’s fees that are covered for each pet, per year
- Are the vets fees paid directly? This can be convenient if you have several pets to care for
- Whether there is an excess fee to pay when making a claim,and how much it is per pet