Do I need pet insurance?

One of the scariest things about looking after a pet is when he or she gets ill.  It is both stressful and can be expensive, too.  So, pet insurance is a really good idea but do check what you are signing up to.  There are a wide variety of products available on the market but do look at what it covers and what it doesn’t.  Unlike car insurance, pet insurance starts off reasonably cost-effective and goes up extraordinarily as your pet gets older. 

The alternative to pet insurance is to put a regular amount of money away in a savings account for any incidents that occur. Many of us find it really difficult not to dip into that account or even to save in the first place.  If you fit into this category then it’s best to take out the insurance so that you aren’t lumbered with a massive bill if you find that your pet needs treatment.  Pet treatments and medicines are expensive so it really is worth it!

Here are a few tips from my experience as a pet owner:

1.       Do look around and get the best possible deal.  There are a lot of new players in the market but always check the small print.  Some look great but then you find out that there are lots of things that aren’t actually covered. Ask lots of questions and ask your vet who they prefer to deal with  - that is usually a good indicator.

2.       Do get life-time cover if you can afford it because then it covers your pet for an illness he or she develops throughout his or her life.

3.       Check how much you have to pay for each visit to the vet - there is usually a cost to you for each claim.

4.       Remember that annual check-ups and vaccinations aren’t included in most pet insurance policies although some vets now offer monthly deals to cover all these basics.  

5.       Look for a company that will deal directly with your vet saving you lots of paperwork.  It also means that you don’t need to pay out the money and then wait to get it back from your insurer.

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