In 2006, the UK census revealed that 10.3 million cats and dogs in 10.5 million households in Britain. This means that approximately 26% of households owned a cat and 31% had a dog. No wonder then, that pet insurance has become a thriving business with insurance companies that offer more coverage pet policy to reduce the cost of vet bills. When one considers that even simple surgery for a dog injured in a traffic accident can cost around £ 1000 many pet owners who are uninsured are left with the painful choice between seeing an animal suffer and they like, potentially be pushed into debt because of the costs involved. So the obvious solution is pet insurance. For just a few kilos a month, you can ensure that your pet is covered in the same way you took out personal accident insurance coverage or a family member. So what should your insurance policy to cover pet
Vet Fees
The main reason to hire a pet insurance is to cover veterinary fees. This should cover all reasonable and customary charges for treatment of your pet by a veterinarian in the course of the year. But as with all insurance policies, you should check the exclusions (areas not covered by the policy). These can range from the costs of pre-existing medical conditions or those that develop within the first weeks of the start of your policy. You can also exclude the costs of vaccinations, spaying or neutering and pregnancy, as well as any other illness that your pet should have been vaccinated against. Therefore, it is important to make sure your pet has had all shots and not have any pre-existing medical condition before taking the policy. A quick check can even be a good precaution so you can give your insurance company accurate information about the overall health of your pet.
Third Party Liability
Although pet insurance is mainly carried out to cover the costs of vet bills, but also can protect against third parties. This means that if someone is injured or even killed as a result of the actions of your pet (eg dog running into the street and cause an accident), then you have insurance against any future claims that may be made. Third Party Liability also protects you from claims for property damage caused by your pet. If this is not included in the policy, adding that the cover can cost only a couple of extra kilos a month, but can save money in the long term.
Emergency and boarding kennel cover
Not only do pets get sick. The owners may suffer the same problems, and in that case you may need to have your pet put into kennels or a cattery for the duration of their stay in the hospital. This is often an optional extra, but is especially useful for owners of older pets that are statistically more likely to be hospitalized at some point. However, emergency boarding kennel and meet the conditions have been established, and may not be eligible for this coverage if hospitalization is the result of a pre-existing condition before the cover was taken out.
Other extras
Pet insurance can also cover a wide range of other contingencies, such as advertising and reward costs should your pet go missing or stolen. This can help cover the cost of placing flyers or advertise in your local newspaper, and can even cover the cost of replacing the pet to a certain amount. If your vet recommends treating another animal veterinarian, some cover includes transportation and food during the night to cover the costs of having your pet to another vet. Pet insurance can also cover travel and accommodation, if you must cancel or shorten your holiday because your pet is lost or injured.
With a wide selection of companies offering pet insurance, best to make sure you get a good deal at the right price is to use a comparison site. This will give you a look at a guide to the types of pet insurance available and what they do and if there are not any optional extras that can cover unexpected situations that could mean expensive vet bills and kennel costs . Note however, that many insurance providers do not cover animal “rescue” because its history is not known, so if you have a rescue dog or cat, may be worth contacting a direct provider to find out if animals are covered to provide relief. Unusual or exotic pets can also be excluded from the general policies of pet insurance, so check their site for comparison to find an insurer that covers the supply of your animal.
Tags: accident insurance coverage, cats and dogs, personal accident insurance, pet vet, pre existing medical conditions, third party liability, uk census, vet bills, vet fees, veterinary fees