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We can compare quotes for dog insurance, cat insurance and rabbit insurance policies with various levels of cover for your animal.
Pet insurance gives you financial protection against vet fees if your pet needs treatment. It can also cover other things like the loss of your pet through theft or straying and third party liability if you have a dog.
In each case a monthly or annual premium is paid for coverage, and in the event of a covered condition happening, the policy could cover the insured pet's veterinarian bills. For most policies there's typically an excess that must be paid before the insurance will pay out. Pet owners could reduce the size of the excess by paying a higher premium. Depending on the kind of policy involved, the excess might be applied on an annual basis, a per-condition basis, or both.
While the various kinds of policies differ in terms of how much they pay out, and premium costs, most share some basic features.
In addition, all policies may exclude certain kinds of conditions. For example, pre-existing conditions, preventative treatments such as spaying and vaccination, and issues relating to pregnancy or birth are generally excluded.
Note that most providers won't insure a pet with a pre-existing condition, and insuring a pet with a pre-existing condition could mean high premiums.
All policies usually provide third-party liability coverage, which tend to cover any damage or injury incurred if an insured dog causes an accident.
Most policies, regardless of the specific kind, could also provide coverage for other events, such as advertising costs if a pet is lost or stolen, boarding fees, travel insurance, and death benefits.
This kind of coverage typically provides for medical expenses when a pet is injured in an accident. However, it doesn't generally provide any kind of coverage when a pet needs medical attention for an illness. Some of these accident-only policies limit the total amount they'll pay out for a single accident, or could only pay out for a limited period of time after a pet is injured.
These policies tend to limit the total amount they'll pay out for a single condition. Depending on the policy the limit may be a certain amount of money, or the policy might cover expenses for 12 months after diagnosis. Once the time or amount limit is reached, the policy usually no longer covers any expenses relating to that particular condition. This could be a good option for cheap UK pet insurance that provides a basic level of coverage, but cheaper policies could have lower per-condition limits.
This may be the most comprehensive and the most expensive kind of pet insurance. These policies typically come with a higher annual maximum, but the policy has to be renewed every year. And as with other kinds of health insurance, the provider may decline to renew based on certain circumstances. These policies are also called annual benefit policies, because they have a per-condition limit that is renewed annually along with the policy.
It's strongly advised that you thoroughly research insurance options and compare pet insurance policies online before making any commitments. Making this kind of comparison could help pet owners get better deals, and make sure they don't miss out on essential coverage.
This could be particularly important for pedigree dogs, due to the increased risk of specific health problems for many breeds. Without the right level of coverage, vet bills might mount up very quickly, so it could be crucial to look at different policies and compare lifetime policies and per-condition policies closely. For pedigree dogs the best solution might often be a per-condition plan with a high limit, but this isn't always the case.
Whatever kind of insurance a pet owner buys, getting the pet insured when it's young might be the best way to keep costs down, as premiums could be much lower when the pet is young and healthy. Insurance costs may also be lower if a pet is spayed or neutered, as this tends to prevent pets straying far from home. The same could be true if a pet has a microchip implant, which might make it easier for lost pets to be reunited with their owners.
When using the Quidco Compare service, you must take reasonable care to answer insurers questions fully and accurately and if you volunteer other information, you must take reasonable care to ensure that the information is not misleading. If any information that you have provided changes before you take out your insurance, during the life of the policy or at renewal you must inform the insurer or broker of the change. If you deliberately or carelessly misrepresent any information in relation to this insurance, then your policy may not pay all, or part, of a claim and could in certain circumstances be avoided altogether.