Many more people now take out insurance on their pets because the cost of vet’s bills are rising all the time. In spite of the fact that more people now insure their pets in case of illness or accident, there are certain limitations to many of these policies.
You need to find out what your pet is actually covered for before you sign up for insurance or one of the pet plans that you see advertised in supermarkets. Just because you have an insurance policy does not mean that your pet is automatically covered in every eventuality, most insurers have at least a couple of exclusions, which is why it is all the more important that you make sure that you read the small print.
If you plan on insuring your pet then you need to make sure that you read all of the small print before signing up for any insurance or pet plan, as this is normally where the exclusions will be found. If you are not clear about exclusions then these are the things that your policy does not cover, e.g. if your cat has an existing health condition when you take out your policy, you will probably find that any treatment for that condition is not covered – although some insurers will now cover existing health conditions at an additional cost.
You need to be sure that any pet insurance meets your needs and is also affordable. Premiums can be very expensive and you need to be able to find something that does what you want it to but that will not break your budget. Try not to go for the cheapest insurance as it may not give you the cover that you really need for your pet.
Common policy exclusions apart from an existing health condition include anything that occurs in the first two weeks of you taking out the policy, Congenital and inherited conditions are usually covered providing you were unaware of these when you took out the insurance. Policies will cover hospitalisation, treatment and prescription charges and some will even cover spaying or neutering. Most pet insurance policies carry an excess, which means that you have to pay a prearranged amount of the cost before you are covered, this is usually between ten and twenty percent. The more excess you are prepared to pay on a policy the lower your premiums are likely to be.
Before you sign up for pet insurance you need to be aware of any other limitations that your insurer has placed on claims. Premiums are usually paid on a monthly basis but calculated on an annual one. It is a good idea to take out insurance while your pet is still young as the earlier you take out the policy then the lower the annual premium costs are likely to be. Most vets will accept pets on an insurance plan and some even advertise their own plans in the surgery. Providing you are clear on what you want and what you can afford, you should find an insurance policy that will suit both you and your pet.
Author Resource:
Derek Rogers is a freelance writer who writes for a number of UK businesses. For competitive pet insurance, he recommends Healthy Pets, a specialist pet insurer.:http://www.healthy-pets.co.uk/
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