Pet Insurance from Insurance Central

Pet Insurance from Insurance Central
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Choosing the Right Pet Insurance
The Small Print - Read It!
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   Pet Insurance Frequently Asked Questions

Pet Insurance Frequently Asked Questions

Do I Need Pet Insurance?
Animal owners need pet insurance because most bills for vet treatment can be very costly and often this problem leads to animals being 'put down'. Pet Insurance makes sure that you will never have the financial burden or this problem. In insuring your household pet you can have peace of mind for any illness or injury your pet may get. Your insurance also offers peace of mind for damage or injury your pet might cause to others. It gives you peace of mind knowing that your pet will be able to receive the best medical treatment available.

What Is Pet Insurance Used For?
Usually over fifty per cent of visits to vets are unplanned and are due to either an accident or illness.Almost one out of every three pets requires veterinary treatment each year following injury or illness. Costs are increased if X-rays and long-term treatments are involved especially of there are repeat visits to the vets. These costs can quickly run into £1,000's for broken legs and hip treatments. Injuries to your pet can lead to you cancelling your holiday plans, courts costs if your dog causes a road accident, or if it bites someone. Reward and advertising costs if your pet is stolen or lost can be included in some insurance policies.

What is Pet Insurance?
Pet Insurance is an insurance policy that covers household pets. Pet Insurance offers to pay vet bills if your pet is ill or has an accident. Pet insurance can also cover other things like theft, travel and even death.

Other Animals and Pet Insurance?
Most Pet Health Insurance companies generally only cover cats and dogs. There are a few insurance companies that cover other animals such as birds, particularly exotic animals and reptiles and rodents. This type of specialist insurance is available for horses and is known as equine insurance.

Third Party Liability?
Dog owners are not usually aware that they are legally responsible for their animals. If the dog is involved in an accident with a vehicle they are responsible for any damages incurred to that vehicle because of the accident. In obtaining pet insurance dog owners can be covered as part of their insurance policy for this type of accident. This insurance is called Third Party Liability Insurance.

The Small Print?
When you take out pet insurance your insurance company will normally send you:

  • Insurance Policy Document that sets out the terms and conditions of your policy
  • Policy Handbook that contains further details about your insurance

Read these documents and make sure you understand them. If there are terms you are not sure of then check them out. Check what is covered under the policy and check the policy details, especially for any exclusions.

Choosing The Right Insurance Policy?
These are the main points you need to look out for:

  • Cover for a fixed term of for life
  • Accidental Damage
  • Dental treatment
  • Vets Fees
  • What excess payments are involved
  • Death from Illness
  • Death from Accident, Advertising & Reward, Theft or Straying
  • Third Party Liability and Legal Expenses
  • Boarding Kennel Fees
  • Holiday Cancellation Costs
  • Overseas Travel
  • Emergency treatments, cancer therapy, X-rays and lab fees?
  • Amount of Cover, for example 70 per cent or 100 per cent of the medical bills
  • Some insurance companies insist on your pet having an assessment performed by a vet before insurance is considered.
  • Policies can limit the amount they will pay out either by capping the total sum they will pay out in a year or placing a limit per illness or accident.
  • Sometimes the pet owner has to make a payment towards any claim ensuring the insurance covers more expensive costs only.
  • Pet insurance will normally not pay for preventative veterinary care like vaccinations, or elective veterinary care such as neutering, as these costs are known and can be budgeted for.
  • Pet Insurance agencies will not normally cover an animal for a pre-existing medical condition, pregnancy, dental problems, or congenital defects.

What Happens If My Pet Is Ill Before The Insurance Policy Starts?
Check the terms of your pet insurance policy but usually insurance will not cover any medical condition or symptoms that your pet had before the start date or your policy or often any problems that occur during the first few days of your cover. A pre-existing condition in your contract is termed as usually any medical condition or symptoms that your pet had before the inception date of your policy.

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