What Else Can Pet Insurance Cover?
As vet fees are usually the primary reason for taking out a pet insurance policy, it's important to know how far your insurer will go to help you out with the associated costs.
When you compare pet insurance policies, look into whether the insurer covers consultations, examinations, scans, tests, medications, surgery or hospitalisation as part of the policy.
Some policies go as far as covering mouth problems with dental cover included, or even alternative therapies such as massage or acupuncture!
You could also consider whether certain therapies or treatments for behaviour are covered and to what extent. Individual insurers and policies have their own definitions of what is or isn't excluded from cover.
Third Party Injury & Accidental Damage
You may find yourself in hot water if your dog causes damage to someone else's property, or worse still, damage to someone else. As Rover doesn't have a savings account, you as the owner could be considered responsible for costs to replace or repair a damaged item. If he hurts somebody, you could face a day in front of a judge for his actions.
Third party liability cover is sometimes included in your dog's insurance policy, and the extent of cover it offers can differ tremendously, so make sure the level of cover is adequate for your requirements.
You won't find this type of cover if you're insuring your cat because, in the eyes of the law, Moggie is considered a free spirit, responsible for her own actions! Accidental damage cover, however, is very much available to both dogs and cats but often with a number of stipulations and exclusions.
Death Cover & Cremation
Sure, it's hard to think about! However, some insurers offer a level of cover in the event that your pet should die from illness or an accident. Typically, a policy will cover the price you paid for your pet or their current market value, which may be particularly important if you paid a large sum of money for a highly sought-after breed or pedigree.
Less commonly covered are the costs of cremation, although such cover is available. You'll usually need to delve into the policy wording or contact the insurer to find out.
Some of the other benefits and features of a pet insurance policy can include the likes of holiday cover, where an insurer may help towards the costs of travel or accommodation expenses should your pet fall ill while you're away. And if you find yourself needing emergency treatment or hospitalisation, kennel and cattery boarding fees can also be covered under certain policies.
It would be very rare to find two different pet insurance policies that cover exactly the same things to the same extent, so a big part of your initial pet insurance purchasing process will be to ensure you're prioritising what you want to be covered over price.
Once you have an idea of policies that offer the level of cover you need, you could then focus more on price, or getting the best value for your budget.
Here at Compare Cover we understand that with so many different products available, it can be tricky to determine which could be the most suitable for you and your furry friend. That's why when you compare pet insurance quotes with us, we do all we can to make the benefits and features of each policy as clear as possible.