Summary

Do I need pet insurance or is it just another scam? This article gives you the facts so you can make your own mind up.

Should I get pet insurance? Part 2

Author: Anna Richardson

The cost of the policy essentially depends on the type of

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cover you get, the excess, pet type and breed, and age. In some cases, your post-code can raise the premium, for example in Chelsea where vets charge higher rates. Because there are so many different variables, it's impossible to give a good estimate of the costs involved, but an industry estimate puts premiums at £30 - £200 per year for cats and £50 - £500 for dogs.

Young pets attract the cheapest premiums, and you can insure your pet from the age of 8 weeks old. { Car insurance route- great resource } You can then continue the insurance for the animal's lifespan, therefore getting the best rates. If your cat is already 9 or 10 years old and you want to get it insured, you'll find it very difficult to get a good deal. There are two reasons for this: firstly, older animals cost a lot more because there's a far higher chance that they will get ill. Secondly, pet insurance exclude existing health conditions so you could find that your pet isn't covered for a variety of illnesses, so the insurance won't be worth that much to you.

To get lower premiums, think about ( mortgages - great articles ) having your pet identity chipped, many insurers offer a discount for that. Also, most insurers offer quantity discounts, so if you insure more than one pet with them, you will save some money on their initial quote.

If you have decided that you do want to get pet life insurance, be sure to check out the Internet. It's the best place to look for cheap insurance, that means home, car and travel as well, you'll be sure to find the cheapest deal there. There's no reason why peace of mind can't be found at a low price!