Summary

What exactly does Pet insurance cover? This article looks what is and isn't covered, the kinds of policies available and the costs. Read this before you decide!

Pet Insurance - what's the point? Part 2

Author: Anna Richardson

The cost of the policy depends on which type of policy you want, how much

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excess you are prepared to pay, the kind of pet you have, its breed (rare breeds are more expensive), its age and even your post-code can make a difference to the premium (vets cost more in Chelsea). { mortgage negotiator }It's difficult to estimate because of all the variables, but an industry estimate suggests premiums from £30 - £200 per year for a cat and £50 - £500 for a dog.

The cheapest insurance is directed at young pets, and seeing as most pets can be insured from 8 weeks old and you can then continue insurance for its lifespan, that's the best way to go. { Mortgage Bazar, mortgages for the 21st century } If your pet is already 8 or 9 years old when you decide to get it insured, it may be difficult to get worthwhile cover. This is mainly because the exclusions will list existing health conditions, and at that age, it is likely that your pet will have some known conditions. In any case, at that age a new policy will be more costly.

There are a few ways to lower the premiums - some insurers will discount insurance if your pet has an identity chip, and if you are{ Life Insurance - great deals } insuring more than one pet, you will be able to get a quantity discount. These are widely available for your second and subsequent insured pets.

To get the cheapest life insurance premiums, browse the Internet for deals. The Internet is a great place for cheap insurance of all kinds - your home, your car or pet, your holiday - all just a click away.