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What do I need to compare pet insurance?
There are a few things you will need to know to start comparing quotes.
You will need to know how old your pet is, its breed and how much you paid for it.
You'll also have to know whether or not your animal has been neutered or spayed.
Why do I need pet insurance ?
When your pet gets ill or has an accident, pet insurance will help you cover the vet costs.
Without pet insurance, you could end up paying huge sums of money to the vets.
One in three dogs gets cancer in their lifetime. This can cost tens of thousands of pounds to treat.
Therefore, getting pet cover is vital to avoid paying large sums you can't afford when tragedy hits.
How much does pet insurance cost ?
The cost of pet insurance is determined by a number of factors, including the type of animal.
Dog insurance costs usually between £30 and £40 per month. Cat insurance is cheaper, costing around £15 per year.
However, there are many different types of pet insurance policies and extras you can add. All of which determine the price of your policy.
How can I get cheaper pet insurance?
The best way to get a good deal on pet insurance is to compare prices.
Comparing different policies across the market will allow you to pick the cheapest rate out there.
You should also be aware of the many types of policies available to make sure you're getting the best pet insurance to suit your needs.
Which pet insurance policy should I get?
The type of insurance you should get for your pet depends on how much you want to spend and what sort of cover you wish to get for your pet.
When choosing your policy, you will need to decide whether to get accident pet insurance, pet health insurance, or a combination of both.
You will also need to decide how long you want your policy to last. Some are only a year and others last a lifetime.
Choosing the right pet policy will save you money.
To get you started, you may want to check out our comprehensive guide to buying pet insurance.
It covers all the basics and more.
What is accident only pet insurance?
An accident only policy covers your pet only if it's been involved in an accident.
So, for instance, if you had dog accident insurance, you'd be covered if your dog breaks its leg. However, if your dog falls ill, it won't be covered. For that you would need dog health insurance.
What is time limited pet insurance?
Time limited pet insurance typically covers your pet for a year.
This means that after 12 months, if you do not renew your policy, you will have to pay for any treatment.
This type of policy is usually cheaper and therefore best if you are on a budget.
Its main pitfall is that your 12-month policy may end before the treatment of your pet is finished.
What is lifetime pet insurance ?
Lifetime pet insurance is a policy that covers the entire lifetime of your pet up to a certain financial limit.
However, a lifetime pet policy will not cover pre-existing conditions. The best time to insure your pet with a lifetime policy is when they are young.
What should I do if my pet isn't covered by insurance?
If you didn't get insurance but your pet is ill or injured, there is still the possibility of getting your animal medical attention if you can't afford the bills.
Many charities run free hospitals.
You can visit one of the following:
- The Blue Cross
- The People's Dispensary for Sick Animals (PDSA)
- The Royal Society for the Prevention of Cruelty to Animals (RSPCA)
- The Scottish Society for the Prevention of Cruelty to Animals (SSPCA)
However, remember: these aren't good alternatives to getting actual pet insurance. These hospitals often overstretched. They may also prioritise people on income support.
If you're animal is not ill or hurt, sign up for insurance today.
We're in your corner
Our mission is to help you save money and fight for you when things go wrong.
On our website you will find a whole host of comprehensive guides to help you find the best pet insurance quote.
To get you started, you may want to check out our comprehensive guide to buying pet insurance. It covers all the basics and more.
We've also got guide on the importance of doing your homework before buying a pet.
And we've got guides to help you do that homework for specific animals, such as what you need to know before buying a puppy.
And, last but by no means least, check out our free complaints tool to make your voice heard.
We handpick many of our complaints from our community and use the power of publicity to make the company do the right thing.
If you've ever had any bad experiences with a pet insurance company, drop us a line using the tool and we'll fight for you.