Our pets are like members of our families and we want to make sure that we do everything we can to keep them healthy and happy. Sooner or later, just like a person, your pet will probably have to be treated for an illness or condition. When people think of pet insurance they often just think it covers general illness and emergency visits to the vet. You may be surprised to learn that a pet insurance policy can help in other ways too.
The cost of vet care has sky-rocketed and one illness or treatment can cost thousands of pounds. You can get a variety of different pet insurance policies that cover different things. You can get insurance that will cover your pet if they need ongoing treatment, such as diabetes and arthritis.
Pet insurance will often also cover the costs of advertising and offering a reward if your pet becomes lost or missing. It also offers you public liability protection and both old and young pets can be covered. If your pet accidently damaged another persons personal property you can get coverage for that as well. If your dog bites someone you would be able to cover any medical costs and liability if you had a pet insurance policy with this included.
The way the law stands right now you are not generally held liable if your cat causes any damage to someone elses property. However, you are responsible for any damage your dog causes to another persons property. This is also true if your dog would happen to run into the road and cause an accident. You could be sued and youll need legal advice and probably have to make a compensation payment. If there was serious damage you would be looking at huge amount of money that would have to come out of your pocket. A pet insurance policy which included public liability would cover at least part of these costs.
You can get a pet insurance policy that will cover the cost of boarding your pet in a kennel or cattery if you have to spend several days in the hospital. This comes in handy if you have no one who can care for your pet. You can also get coverage for the purchase price paid for your pet in case they become missing or stolen. This can be very important if you paid a lot for your pet, for instance if you have a pedigree dog or cat.
It will be up to you to decide which policy would best fit your needs. Pet insurance policies usually fall into three categories. The cheapest would be a 12 month policy and it offers the least amount of coverage. If your pet had a condition, it would only be covered for the 12 months of the policy. You would have to renew your policy and the previous mentioned condition would then be excluded, as being pre-existing. This means you would have to pay for any further treatments yourself.
The types of policies that pay so much per condition will only pay for treatments up to a specific amount. If you go over that amount you will have to pay for the visits and treatments yourself. This means that when you renew the policy you will get the same amount for the following year for that condition. This type of policy might not cover the entire cost for a long term ongoing condition.
To get the best overall comprehensive pet insurance you should look at a full life policy. These types of policies are more expensive, but will give you plenty of coverage. With this type of policy you will be covered for ongoing conditions including arthritis and diabetes. In the long run this is the best type of policy to make sure you can afford any type of treatments your pet may need. All of the pet insurance policies usually will offer public liability coverage to protect you in case your dog damages another persons property.
As you can see, pet insurance covers a lot more than just routine and emergency vet treatments, and is a wise choice to protect you from being liable for something your pet did. It is better to be prepared instead of something happening and you being caught financially off- guard. Comprehensive full life pet insurance cover, such as that offered by Animal Friends Insurance Superior and Prestige policies, will protect your beloved four legged companion and also give you peace of mind should the unthinkable happen.
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