Insurance Frequently Asked Questions
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.
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.
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.
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.
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.
When you take out pet insurance your insurance company will
normally send you:
Policy Document that sets out the terms and conditions of
Policy Handbook that contains further details about your
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.
The Right Insurance Policy?
These are the main points you need to look out for:
for a fixed term of for life
excess payments are involved
from Accident, Advertising & Reward, Theft or Straying
Party Liability and Legal Expenses
treatments, cancer therapy, X-rays and lab fees?
of Cover, for example 70 per cent or 100 per cent of the
insurance companies insist on your pet having an assessment
performed by a vet before insurance is considered.
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.
the pet owner has to make a payment towards any claim ensuring
the insurance covers more expensive costs only.
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
Insurance agencies will not normally cover an animal for
a pre-existing medical condition, pregnancy, dental problems,
or congenital defects.
Happens If My Pet Is Ill Before The Insurance Policy
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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