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?
Author: Anna RichardsonMintel recently published a survey showing that every year, 1 in 3 pets
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It's the unexpected visits to the vet that always cost an astronomical amount. Vaccinations and worming and other 'planned' visits can't be covered by insurance, nor can treatments that you choose such as neutering.{ Car insurance route- great resource } Essentially, all the reasons why you would routinely take your pet to the vet cannot be covered.
It's the accidents and the injuries that cost - medical science has improved and all kinds of previously untreatable maladies are now treatable. { Loans }So you could be faced with the choice of paying £700 or more to have your cat nursed back to health after an accident with a car. The X-rays could cost £400, an MRI scan £1,000 or more, it's a lot of money and many people don't have funds set aside for unexpected events such as these.
Here's the low-down on the 3 main types of pet insurance:
- You cannot claim for more than a set amount for each condition or event that occurs;
- You have a set total annual payout that cannot be exceeded;
- The payout is capped and will only cover your pet for 12 months of treatment - this is the cheapest type of pet insurance ( life insurance ).
There are similarities between the policies: they will pay out if your pet dies, and if you make a claim, you'll have to cover the first £50 -£100.