Confused About Getting Pet Insurance

30 July 2012 04:00 - Phoebe Robinson

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Confused About Getting Pet Insurance

If you love your pet, as most of us do then pet insurance is something all of us with a furry friend at home should consider. Pet insurance can offer security with unexpected bills, but similarly to human health insurance, it can also be an unnecessary expense that you may not even draw on.  However it is not uncommon for a pet to be put down because their owner cannot afford to pay the vet.

A great advantage of pet insurance policies is that they often cover some or all of the cost of general check-ups and vaccinations. If your pet comes down with one major illness then it could effectively make every insurance payment worthwhile. Moreover many insurance companies offer liability cover in case your dog hurts another animal or a person. Quite a lot of the time if you have more than one pet then often discounts are available.

However pet insurance can be expensive, especially over time, and you may not need to make any claims until the animal is much older. Any illness that exhibited symptoms before the insurance policy kicked will not be covered and quite often if your pet is old it may not be insurable. You normally will have to pay an excess if you need to make a claim. Moreover long term medical cover may be time restricted quite often to 10 years. If your animal lives beyond that time, the condition may not be covered.

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