Whether you are crazy about cats or devoted to dogs, one thing is for sure, you’ll want to make sure they are protected should anything untoward happen to them.
Unfortunately, costs for your pet can mount if visits to the vet are becoming a frequent occurrence, and for many of us our pets are worth the expense. However, there is a way to alleviate the financial pressure of the medical care your pet receives; with pet insurance.
Pet insurance is available from various providers that can offer the security that so many owners need to ensure they don’t get into financial difficulty. So how do you know which policy to choose?
Well, firstly it obviously depends on the type of pet you own. If you have a house cat that spends its day’s laying in the sunshine, the policy needed will be far different for a farm dog working in a field, so it’s important to know what cover you’re expected to need. Obviously, you also need to take your pets age into consideration; a puppy may be young and healthy but it is also likely to chew various household items or run away when being walked. An older dog may be better trained but as it ages, it may start to suffer from joint or dental problems – if you choose the right insurance company, you can ensure the cover is made clear for your pet.
One of the main aspects to check is to ensure the policy you choose suits your pet’s needs. You don’t want an incident to occur that you thought was covered by your pet insurance, only to find out this isn’t the case; resulting in a huge vet’s bill a few weeks later.
With this in mind, it is often the cost of insurance that sways the policy a person chooses, but by choosing the right insurance, you may find you actually save money because you may not need cover for expenses such as neutering or spaying if this has already occurred.
There are also some policies that will provide cover for various situations, which may be better suited to your lifestyle. For example, there are companies that offer cover to help you find your pet should they go missing, as well as help you find a registered pet owner if you are due to go on holiday; it’s these small extras that can really make the difference to the policy you choose and the decision of which provider you go with.
Finally, take the time to research the various companies out there; don’t just rely on comparison websites, but speak to people and utilise resources such as the internet to find companies that are offering competitive deals.
Many people often decide not to have insurance due to the additional expense month on month, however the risk of a tragedy occurring plus the additional stress of vet’s bills far outweighs the small amount you can pay to cover your pet year on year in order to secure your pet’s health and your wallet!
Written by Jenny Pilley on behalf of Debenhams Finance – providers of affordable of pet insurance.