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#1 26-07-2014 17:25:41

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Fra: United Kingdom
Registrert: 26-07-2014
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Pet Insurance

With the average Pet insurance claim for a dog being £469 and on-going claims sometimes costing thousands, it is important that you make sure your pet is adequately covered so that you don’t end up being stuck with ever-increasing vets bills. For example, on average a cat or dog with diabetes will cost £9,307 totreat over the course of their life.
In some cases pets will require treatment for the remainder of their life once a problem is diagnosed. Be aware that almost all pet insurance plans will not offer cover for a pre-existing condition so ensure that you have cover in place to protect you!
Pet Insurance can protect you for a number of different things besides vet fees:
•    Medication & Prescription Food: If your dog falls ill, your vet may need to either prescribe medication and/or specialist food to aid their recovery. While the initial cost may be small, ongoing prescriptions will inevitably be costly and could become an additional monthly home expenditure.
•    Third Party Libility: Many pet insurance policies cover up to £2m for third party liability claims; this covers the cost of legal action or compensatory claims that may arise from your pet injuring a person or other animal, damaging third party property or causing an accident. While this will exclude incidents involving your family or anyone working for you/on your premises, these claims still tend to be extremely high value and costly.
•    Emergency Boarding Fees: Many policies include cover for the cost of boarding kennel fee’s for emergency situations such as: you being too ill or unwell to care for your dog, your local licensed kennel refusing to look after your dog due to a condition they have etc.
•    Lost & Found/Death Benefit: Some policies will have built in cover to help you pay for the cost of advertising or reward should your pet be lost or stolen. Others will also include a ‘death benefit’ should your pet pass away or need to be put to sleep, that you can choose to use to help cover the costs surrounding this.
There are various different levels/types of cover to suit all needs and wallets! The 3 most recognized types of cover are Lifetimes, Condition Capped and Time Limited, which we have outlined below:
•    Time Limited: Often the cheapest form of pet insurance available, with prices starting as low as £6 a month. However, the main restriction to be aware of with this type of cover is that any conditions your pet suffers from will only be covered for (typically) 12 months, and after that you will no longer be able to claim (and likely not be able to obtain cover for this condition elsewhere). For example, if your Time Limited policy covers you for £3000 a year and your pet breaks their leg, you can claim up to £3000 for this leg (assuming no other claims) but after 12 months you will no longer be able to claim.
•    Condition Capped: These policy are a middle ground between Time Limited and Lifetime cover; you still benefit from paying less than a Lifetime Cover policy, although all conditions typically have a maximum amount you can claim for. After this max amount has been hit, you will no longer be able to claim for this condition regardless of whether or not your renew with your provider. In other words, if your condition cap is £2000, after you have claimed £2000 for a certain condition, you will no longer be able to claim.
•    Lifetime: This form of cover is considered the best and most thorough form of pet insurance. These policies are designed to cover your pet should they develop a long term/recurring illness, as they will pay out for such conditions for the en tireity of your pets life (subject to the cover limits and assuming you remain continuosly covered by the same insurer).
While Time Limited will stop paying for a condition after 12 months and condition capped will stop paying after a certain limit has been reached, the limitation in a lifetime cover policy applies to the maximum amount you can claim each year. In other words, if your lifetime policy has a £10,000 annual limit, you can typically claim for as many conditions as you wish long as they do not exceed £10,000 in total between them.

Pet insurance
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26-07-2014 17:25:41




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