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Why should you take out pet insurance?

For most of us, our furry friends are part of the family, so when a beloved four-legged friend suffers an illness or injury, it is upsetting and, very often, extremely costly.

Vet costs can make a huge dent in your finances, so it’s worth planning for unforeseen costs so you’re covered if your pet needs medical treatment.


There are four types of pet insurance:

Accident only: Provides cover for vet bills if your pet is injured in an accident. It’s the cheapest type of pet insurance.

Time limited: These policies provide cover for a specific time, usually 12 months, to cover accidents or short-term illnesses.

Per condition: Also known as ‘maximum benefit’ cover, per condition policies allocate a fixed sum of money to treat each illness or injury.

Lifetime: This type of cover is more expensive than the others but protects your pet over the course of its life.


What does pet insurance typically cover?

When you take out a pet insurance policy, some features come as standard. These include, but are not limited to, the following:

·         Vet fees/medical treatments cover

·         Kennel and cattery fees (should your pet need to stay for recovery)

·         Liability cover

·         Advertising costs and rewards

·         There are exceptions to what pet insurers will pay out for, so it’s important to check the small print when taking out a policy.

·         Exemptions usually include cover for routine check-ups, pre-existing medical conditions and behavioural problems.


How much is pet insurance?

Pet insurance can cost as little as £40 a year, but the price you pay is determined by the policy type, the type and breed of your pet and how long you need cover for.


How to reduce the cost of pet insurance?

It always pays to shop around for cover to see what policies and prices are best suited to your pet and your budget. Here are some money-saving tips to help bring down the cost of cover:

·         Keep your pet healthy: Whether it’s feeding your pet a nutritional diet or keeping on top of its vaccinations, having a healthy pet will help lower your premiums. Our dedicated pet health page has lots of useful tips on how to keep your pet healthy.

·         Opt for a higher excess: Your premium is likely to decrease if you’re willing to pay a higher excess on any claim you make. But keep the excess affordable in case you have to pay it.

·         Take out multi-pet cover: Some insurers offer a discount of between 5% - 10% if you insure more than one pet on a single policy.

Pay annually: Paying for your policy upfront is usually cheaper as some insurers charge interest on monthly instalments.

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