The cost of taking your dog to a vet can be very expensive. You may not think much about insuring your dog when it is young, but in fact that is probably the best time to take out pet insurance.
If you have had insurance for some time and you don’t need to claim then this could lower your premium payments. Insurance is a must because there may come a time when your pet will need medical care and attention and if you don’t want expensive vet’s bills, which could then you should have insurance.
If you already have some insurance then it is worth checking with your insurance company whether they deal with pet insurance. Some personal contents policies can be extended in this way so it is worth checking out as you may get it a bit cheaper than elsewhere. It is best to get your dog insured as soon as possible because insurance companies charge higher premiums on insurance for older dogs and this gets higher the older your pet is when you take out the policy. You can choose just to cover the basics or to take out a more comprehensive pet insurance, which is probably the best choice.
There are a number of exclusion clauses on dog insurance and these include the breed of dog, your dog’s family history if you know it, pre existing conditions and conditions that are common to some breeds. You will need to read the small print of any insurance document before you sign it as this is usually where any extra exclusions are listed. If you choose to buy pet cover through a supermarket then you need to read it carefully as many of these pet plans have to be renewed every twelve months. Should your dog have developed a health condition during the first year of insurance, there is no guarantee that the renewed plan will not see this as a pre existing condition and exclude it from cover.
Most pet insurance will involve an excess which usually requires an upfront fee or the payment of a percentage of the total charge to be paid. Policies that have a higher excess may not seem like a good idea, but it could mean that the monthly premiums on such a policy will be lower. A lot depends on your financial circumstances and what is the best pet plan for your dog and for you.
A good insurance policy will cover your dog’s annual health check, which most vets carry out when an animal is signed up with them and may even include the vaccinations and yearly boosters your pet will need – albeit with the excess having to be paid each time. Pet insurance can vary widely and while some good plans will include the routine treatment mentioned here a good number will only cover emergency treatment. The only way to find a policy that is suitable for you and your dog is to do some careful research before signing up for it.
Author Resource:
Derek Rogers is a freelance writer who writes for a number of UK businesses. For Dog Insurance, he recommends Healthy Pets, a specialist pet insurer.:http://www.healthy-pets.co.uk/dog-insurance.htm
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