Pet insurance doesn't pay for routine or elective treatments so what does it cover, what sorts of policy are available and what does it cost? An essential read before you buy!
Pet Insurance - a waste of time?
According to a survey published by Mintel, one in three pets
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The word "unexpected" is important here. If you are looking for pet insurance to provide cover for routine treatments such as vaccinations or worming, forget it { Mortgage Bazar, mortgages for the 21st century } - policies that do that are as rare as hens' teeth! And you won't find cover for elective treatments, such as neutering, either. This means that the most common reasons for visiting the vet are uninsurable.
But don't forget it's those unexpected { New loans articles } visits that tend to be the expensive ones! Developments in animal care mean that more conditions can be effectively treated and costs of emergency care can be horrendous. A cat that argues with a car could cost £700, even more, to treat. After all, a series of X-rays could cost £400 and a MRI scan will put you back £1,000. If Buster the Bulldog tore a ligament that too can be treated - but the cost? Don't expect change from £1,500! This is serious money!
Having appreciated that most reasons for a visit to the vet are uninsurable, what do we get for our money?
Well, insurance plans largely fall into three types. { new mortgage articles @ mortgage machine } The first restricts the value of the claim for each condition or event; the second limits the total annual payout and the third and cheapest option, limits the payout per condition and ceases cover after 12 months of treatment. Most will make a payout if you pet dies. And with all policies you will have to pay an excess on any claim, usually between £50 and £100.