Pet Insurance

This will vary depending on the level of cover you’ve selected, as well as the pets on your policy. Pets with pre-existing medical conditions could be charged more. It’s best to get personalised quotes to find out how much a pet policy will cost you.

A good annual limit for your pet will depend on your pet’s specific needs. Lifetime policies typically offer over £10,000 per year, whereas more basic policies can start as low as £2,000. These limits will likely affect your insurance costs, so getting a customised quote can help determine what insurance you should get.

This will depend on your financial situation and your policy. The cost of your vet bill, your insurance premium, and the excess amount will all play a part. It’s also important to keep in mind that claims can affect the price of future insurance premiums.

For some pet owners, having a policy is worthwhile, but it ultimately depends on your specific circumstances. Unfortunately, accidents can happen over your pet’s lifetime, and vet bills can quickly add up, especially when it comes to surgeries, X-rays, and long-term care for chronic illnesses. Having a policy for your pet provides peace of mind and ensures that your pet will always receive the best care should they ever need it.

Not all trips to the vet will be covered; pet insurance generally doesn’t cover the cost of routine visits. You will need to pay out of your own pocket for routine preventative treatments. However, most policies will cover unexpected and emergency vet visits.

There is no one best provider for pet coverage. It will vary depending on you and your pet’s needs. Certain insurers will have policies dedicated to particular types of pets and their specific needs. By comparing different policies you’ll soon see which provider would best suit your requirements.

Lifetime insurance for a pet is typically the most comprehensive type of insurance. Due to the range of coverage provided, it is also usually the most expensive. It covers your pet for a wide range of illnesses or injuries for their entire life, as long as you pay your premiums.

Generally, yes. Pedigree animals are generally more prone to certain hereditary health conditions. For example, a French bulldog can be susceptible to breathing problems due to its flat face. This increases the risk to the insurer and therefore, makes insurance costs higher.

Exotic pets like reptiles, birds, and small mammals are not usually covered. Some cat and dog breeds may be excluded as well as animals used for commercial or service purposes.

It depends on what kind of dental care is necessary. Most insurers will provide accident or injury dental care. Coverage for dental illnesses like gum disease is far less common and may only be included in comprehensive policies. Many pet policy providers offer dental cover as an optional add-on. However, this will increase the costs of the insurance and may be harder to qualify for if there are pre-existing conditions.

If you have a lifetime policy for your old dog it may be advantageous to maintain the policy as it will continue to cover chronic conditions and other age-related injuries. If you are taking out a new insurance policy for an older dog, you may need specialist policies due to the high cost of premiums and possible exclusions for pre-existing conditions.