Pet insurance can be confusing, but it doesn't need to be. Get all the answers you need on pet insurance policies, then compare quotes with Compare Cover to find the right policy for you and your furry friend.
You probably consider your pet to be part of the family, and we're sure you want to do the best for them. By taking out a pet insurance policy, you could ensure your pet is covered in case they become sick or have an accident, and you could protect yourself against unexpected vet bills.
At Compare Cover, we allow you to compare quotes from a range of UK insurance providers for cat and dog insurance.
At Compare Cover, you can quote for up to 5 pets at once, and some providers may offer a discount if you insure multiple pets at the same time.
The excess is your contribution towards a claim. The amount you pay as an excess is determined by the insurance provider when you take out the policy. Without an excess, premiums could increase dramatically, so, by charging an excess, insurance providers can offer more affordable policies.
If your pet has suffered from an illness in the past, you should still find an insurance policy to cover them, but it is unlikely that they will provide cover for their pre-existing condition, and premiums may be higher. You must declare any pre-existing conditions, whether current or historic at the time of taking out the policy, or you run the risk of your insurer not paying out.
Dogs and cats tend to develop more health problems as they get older, so the cost of pet insurance tends to increase with the age of the pet.
A pedigree animal is often more valuable and therefore more likely to be stolen, so these animals will likely be more expensive to insure. Due to close breeding, pedigrees also tend to be more susceptible to genetic complications, making them high risk in the eyes of the insurer. You should check there's no exclusion for these conditions in the policy before taking it out.
Cover for injury will usually start as soon as you take out a policy online or over the telephone. Cover for illness normally starts 14 days afterwards. This can vary depending on the provider and policy, so it is wise to check your policy documents.
The sooner you start the claims process, the quicker your provider can pay out. Your first step should be to contact your insurance provider directly to see if you can make a claim. The insurer will most likely want to know the details of what has happened to your pet and the likely cost incurred due to the situation. Your vet should be able to provide estimated costs or you may already have an invoice. You may then be required to fill in a claims form and gather any supporting documents to assist the claims process.
Your first policy is important as it may affect your future claims following any potential accident or illness your pet has. As vet's bills can be very expensive, you may prefer the peace of mind to purchase a more comprehensive cover at outset. Ensure you read about the different types of policy.
Accident only pet insurance generally only offers cover in the event of an accident and will exclude cover for vet fees incurred due to illness. Consequently, the cost for this type of policy tends to be the cheapest.
Lifetime insurance offers the most comprehensive cover for your pet and should provide cover for the duration of your pet's lifetime, providing you renew year on year. Lifetime policies are usually the most expensive and cover may differ depending on the provider you opt for, so always check for any exclusions.
Time-limited policies allow you to claim for eligible conditions, up to a specified amount in a 12-month period. After that, no further pay-outs will be made for the same condition. At the end of the 12 months, you can renew the policy but that specific condition is likely to be excluded.
This policy allows you to claim year after year up to a specified financial limit. Unlike with a time-limited policy, you can claim for the same condition more than once. You will however have to fund any further treatment yourself once the vet bills reach the maximum amount.
It is not only recommended that you microchip your pet, it is now a legal requirement. Microchipping benefits both pet and owner and could result in a reduced insurance premium, though not all insurance providers will offer a discount based on this.
Not all policies will cover for dental treatment, but that's not to say that you won't find a policy that will. Many policies will include dental treatment but the level of cover varies, so read the policy documents carefully to know what you're getting.
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