With the economy like it is, most of us can't afford to be hit with a huge vet bill. Yet if our beloved furry friend was to fall ill, we would have no choice but to find the money somehow, which would be an enormous stress.
This is why taking out pet insurance is such a good idea, particularly if you are armed with the knowledge on how to get the best deal. If your dog or cat should fall ill or have an injury then the insurance will cover the cost. Before you take the decision to get pet insurance there are some things you should consider:
1. Type of Coverage
This is probably the most important factor affecting how much your premiums will cost. Do you want coverage just for accidental injury or for routine vet care? Or do you want everything to be included? It is important to consider this carefully, and access your lifestyle as to what kind of problems your pet is more likely to encounter in the future. You could choose to cover some of the vet bills which will ultimately lower your insurance premiums.
2. Your Pet May Affect The Premium
You pet's age and breed will also affect the insurance premiums. The older the animal, the more you can expect to pay. Generally you will not be able to insure a dog over the age of 8 or a cat over the age of 10. However if they are younger than this then you could take out a lifetime policy which will cover them for the rest of their lives. Some breeds will be more expensive to insure because of susceptibility to illness.
3. Shop Around!
There are so many policies available from different insurers and the cost will vary greatly. Ring around for quotes or go on comparison websites to ensure you are getting the best deal.
4. Is Your Pet Spayed?
If your cat or dog is neutered/spayed then you can expect to pay less for your insurance. This is because a spayed animal is less prone to certain illnesses. It may be worth getting your pet spayed to save money in the long run.
5. Read The Small Print
There are always a lot of terms and conditions with any insurance policy. Before taking out the policy read all the details very carefully, especially what is and isn't included, the excess you need to pay and what could void an insurance claim.
This is why taking out pet insurance is such a good idea, particularly if you are armed with the knowledge on how to get the best deal. If your dog or cat should fall ill or have an injury then the insurance will cover the cost. Before you take the decision to get pet insurance there are some things you should consider:
1. Type of Coverage
This is probably the most important factor affecting how much your premiums will cost. Do you want coverage just for accidental injury or for routine vet care? Or do you want everything to be included? It is important to consider this carefully, and access your lifestyle as to what kind of problems your pet is more likely to encounter in the future. You could choose to cover some of the vet bills which will ultimately lower your insurance premiums.
2. Your Pet May Affect The Premium
You pet's age and breed will also affect the insurance premiums. The older the animal, the more you can expect to pay. Generally you will not be able to insure a dog over the age of 8 or a cat over the age of 10. However if they are younger than this then you could take out a lifetime policy which will cover them for the rest of their lives. Some breeds will be more expensive to insure because of susceptibility to illness.
3. Shop Around!
There are so many policies available from different insurers and the cost will vary greatly. Ring around for quotes or go on comparison websites to ensure you are getting the best deal.
4. Is Your Pet Spayed?
If your cat or dog is neutered/spayed then you can expect to pay less for your insurance. This is because a spayed animal is less prone to certain illnesses. It may be worth getting your pet spayed to save money in the long run.
5. Read The Small Print
There are always a lot of terms and conditions with any insurance policy. Before taking out the policy read all the details very carefully, especially what is and isn't included, the excess you need to pay and what could void an insurance claim.
By Emma Nutter
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