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A Guide for Choosing Pet Insurance
Provide your pet with a good, yet cheap pet insurance
Many households have pets in their homes. Approximately, there are 12 million homes in Britain that shelters pets, and the number of cats and dogs alone in the UK amounts to about 17 million. However, regardless of what animal you have as a pet, the total expenses for their care can be quite costly… especially if they get sick or injured and requires an emergency visit to the veterinarian.
This is the exact reason why a significant percentage of the 12 million pet owners opted to sign up for a pet insurance policy for their beloved animal friend, be it a dog insurance for their dear pooch, a cat insurance for their feline, or a rabbit insurance for their fluffy hopping bunny.
Why you should get a pet insurance for your pet in the UK
Most pet owners would find the average cost for a UK pet insurance claim, which according to Money Advice service would be around £750, quite draining for their wallet… unless the pet insurance policy that they invested in is a good one.
Furthermore, there is a chance that your pets have the risk of developing a chronic medical condition that would need more frequent visits to the vet and would result to a more expensive bill from the veterinarian’s clinic.
Using our system for our pet insurance comparison
Regardless of what breed and age your dog and cat is, our insurance comparison system could compare quotes for them, and you could choose from a variety of levels of cover for your pet.
In order to get a quote, simply fill out our short online form with some details regarding you and your pet. After a few minutes, we can already provide multiple insurance quotes for you.
Once the quotes are returned and the prices are displayed, we will give you a clear list of the policy inclusions, including the vet fees, availability of multi-pet cover, and if the lifetime cover for conditions that are ongoing is also included.
Since not all pet insurance policies are the same, you must make sure that you check what is included in the policy and choose the most suitable one for you and your pet when comparing quotes.
The Pet (Quote Zone) pet insurance comparison system is free, so what are you waiting for? Complete a price comparison now!
If you have questions before you completely choose an insurance policy, we have answers for you.
Is there a need for my pet to be vaccinated and neutered before I take out insurance?
In most insurance policies, it is not stated that the pet must be neutered. Although, there are some insurance providers that might give you lower pet insurance quotes if your pet is already castrated or spayed before taking out the policy, because aggressiveness is usually reduced when animals are castrated or spayed and it could also remove pregnancy-associated risks for female animals.
However, vaccinations are usually required by pet insurance providers while the animal is still young, and regular boosters would also be ensured. Otherwise, it could result to the invalidation of your insurance policy. Vaccination and booster expenses are usually not covered by pet insurance policy, but these shots could eventually help you save money.
What are the levels of insurance cover that are available for pets?
There are four main levels of cover for pet insurance: accident-only, per condition, annual insurance and lifetime insurance;
- Accident-only: From its name, this policy type usually covers medical expenses for instances that your pet got accident injuries. As such, this is usually the cheapest type of insurance. However, this does not entail that you will have to pay for the expenses yourself when your pet needs medical attention due to illness. Furthermore, some of accident-only policies only have a limited amount that they would cover in a single accident, and there are also some that would only pay for a limited time period after your pet is injured.
- Per- condition: This type of policy usually limits the total amount that that they will cover for any certain single condition. The limit may be for the amount of money, or it might limit the time period that they will cover for the condition after it has been diagnosed. The policy will no longer pay for any expenses related to that condition once the limit has bee reached. If you prefer a cheaper pet insurance in the UK, this would be a good choice. However, it is also important to know that the cheapest in this type of policy would usually have low per-condition limits. It is best if you would check this first before choosing.
- Annual pet insurance: The advantage in this type of policy is that it gives you the freedom to change insurance provider if you want to, unlike the lifetime insurance. However, keep in mind that the more you pet’s age advances, the more expensive the insurance policy gets. Also, conditions that are previously diagnosed will no longer be covered once you switch to a new annual insurance policy, because these will already be considered as “pre-existing medical conditions”.
- Lifetime pet cover: This is the most comprehensive level of cover, but usually the most expensive too. If your pet has no pre-existing medical condition, most types of illnesses would be usually covered until you have reached a maximum annual pay-out price. These policies also have a per-condition limit that is annually renewed together with the policy.
What if my pet got lost or stolen, will my insurance provider pay out?
If you did not sign up for an accident-only or per-condition pet insurance, there is chance that your provider would pay for some expenses incurred if ever your pet suddenly got lost or stolen. There are instances that insurance policies would have ‘advertising and reward cover’ included. However, if such cover is not included in your policy, you could request to add it to your policy.
Are pet insurances for pedigree animals more expensive?
It could be seen when comparing dog insurance quotes that sometimes, insurance for a pedigree dog is more expensive. The same goes for cats, as well. The reason for this is that pedigree cats and dogs are a higher insurance risk because they are usually more appealing for thieves and some of them also have a higher chance of developing genetic disorders or medical conditions that are congenital. However, the case is different for rabbit pet insurance. The breed of your rabbit would usually make little to no difference at all to your insurance cost.
Apart from these, here some other tips for you to increase the chance that you’ll get a pet insurance that is cheaper:
- To reduce the likelihood of your pet being stolen or running away, keep your cat or dog indoors.
- If you have several pets, insure them in a multi-pet insurance policy. Insuring each pet separately would be much more expensive.
- If your cat or dog is still young and healthy, select a higher excess.
- If you cannot afford a cover that is more comprehensive, think about getting an accident-only pet insurance instead. This type of policy is also best suited for young and healthy pets, than sickly and older pets