Compare Pet Insurance
More and more pet owners in the UK are choosing to protect themselves against the potential costs of vet’s fees. If your beloved pet becomes unwell it can be very costly; for example the vet’s bill for a cat’s broken leg would be in the region of £825. A whole range of policies is now available with varying cover options. Below we have highlighted the latest pet insurance deals.
Compare Pet Insurance
Pet insurance deals in the UK provide cover for owners against many different eventualities. You may consider pet insurance cover simply for when your pet becomes ill, but there are many other possible risks that can be included in these policies. Depending on which pet insurance deals UK you opt for, you may be covered for the cost of advertising for the return of a lost cat or dog or if you have to board them out due to unforeseen circumstances. There are inevitably exceptions, for example most insurance companies will not cover your pet for the treatment of existing health conditions. This is why it is wise to take out pet insurance as soon as possible after making your purchase of a new pet.
Prior to the introduction of these policies pet owners had few options. Some chose to self-insure, which meant that they put money away for a ‘pet rainy day,’ but that rainy day could come around sooner than expected. This meant there was still the chance that the pet owner would not have the ready cash to pay the vet’s fees. If a pet became sick, the owner would have few ways of covering the cost and would often have to resort to debt or have their pet put down, despite the fact that there may well have been expensive treatments available.
Thankfully, there is now an abundance of insurance companies offering a variety of cover options for pet owners. The onus is now on you to search for and compare pet insurance deals to find the product that best suits your requirements at the best price. It goes without saying that you will want to feel that you have purchased one of the best pet insurance deals UK wide, which means paying the least amount of money for the best cover available.
There are three main types of pet insurance policy available in the UK. The first of these is the life long cover policy; you will need to compare the pet insurance deals on the market to check if this is the correct option for you. Life long pet insurance cover is a policy that is reviewed annually and only health conditions that have developed since the policy commenced are normally covered by these policies. There is normally a set amount that can be claimed each year under a life long policy and this would also be subject to an excess. You should be aware that the premium and policy excess are subject to change, particularly as the pet reaches old age.
Another option is to purchase individual cover. This effectively means that the insurance company will cover each individual condition related to your pet. There is a maximum amount that can be claimed for each condition, but this is not in any way time limited. If you are planning to compare pet insurance deals, you will find that the individual cover premiums generally work out cheaper, but of course the cover provided is very specific.
The pet insurance deals UK companies offer do not stop there though. A final choice for pet owners is to opt for an annual cover policy. This is not renewed year on year, but instead lasts for 12 months and is designed to cover a particular condition for a period of one year from the date of diagnosis. The insurance company will determine the maximum amount that can be paid out under each annual policy. Generally, annual policies will only cover short-term illnesses, which means that the same condition cannot be covered in two consecutive policies.
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