What types of pet insurance are there?
How do I get cheap pet insurance?
Looking to find out how you can maximise your savings and reduce your Pet Insurance Premium. Follow these top tips
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We all love our pets, and it can be tempting to rush into an insurance plan to have your pet covered as soon as possible. Not shopping around for a solid policy at a good price can be costly, though, and you may not get an insurance policy that does everything you need. Shop around.
Keep your pet healthy
Your pet’s health can affect your premiums, so try to keep your pet healthy by giving it lots of exercise and a good diet.
Get them microchipped
If you own a dog, you are required by law to have them microchipped, and this is now also the case for cats. Another benefit of microchipping your pets it that it’ll be easier to find them if they’re lost or stolen.
Multi-pet insurance
Have more than one pet? Insuring several pets on the same policy can save you money. You can get a discount for each subsequent pet you add to the policy.
FAQs
Want to know more about how Quidco can help you save money on your pet insurance, find out how.
The cost of pet insurance depends on a range of factors, including what animal your pet is, what breed it is, and its age. It also depends on what level of cover you want.
But a rough estimate of an average insurance policy is around £150 to £170 annually for dogs and £70 to £90 annually for cats.
If you want to cover anything your pet already suffers with then you'll need to speak to a specialist insurance provider.
Specific definitions might vary between insurers, but most categorise a pre-existing condition as:
- A condition that occurred or showed symptoms before the insurance policy was taken out. - A condition that results in the same diagnosis that your pet had before the policy was bought. - A condition resulting from an illness or injury your pet had before you took the policy out
That’s really up to you to decide. As we know, the price it costs to insure a pet varies depending on the animal, breed and age. You need to weigh up the cost of the premium against the cost of an unexpected trip to the vet.
Some visits to the vet can cost up to and over thousands of pounds. Think hard about if you’d be able to afford it if the time comes. Shelling out a bit of money each month could be a more sustainable way to pay for your pet’s possible medical issues.
Also consider the peace of mind you’ll have knowing that your furry friends are covered.
This is agreed between you and your pet insurer, and is the amount you pay every time you make a claim (take your pet to the vet, for instance). Some insurers ask you just for a fee for every visit, so between £50 and £100, for example.
Other insurers ask you for a percentage-based excess, meaning you pay a certain percentage of the claim, on top of the flat fee. This can get expensive though.
You may be able to increase your excess fee in return for a cheaper premium.
Yes, you can. After you’ve taken out pet insurance, there’s a two-week cooling-off period. If you change your mind in this period you can cancel your insurance and get a full refund for any premiums you’ve already paid. This is how most providers do it.
If you wish to cancel your insurance after the cooling-off period, the majority of pet insurers won’t give you a refund for any premium you’ve already paid.
