subject: Dog Insurance - Choosing a Policy [print this page] Dog Insurance - Choosing a Policy
Any responsible pet owner needs to consider taking out dog insurance as soon as they bring their puppy or dog home. There are lots of joys owning a pet but at times they can also cost you a great deal of money when they fall sick, have an accident or some other event befalls you and your pet. Pet insurance can help you in many ways and it doesn't have to cost a fortune if you take the following hints and tips in mind.
Where to purchase the insurance
There are many ways to purchase dog insurance. Your local vet might offer some form of insurance for your pet through them. While this could be one of the easiest ways of taking out cover, it might not necessarily be the cheapest way of covering your dog. You could ask your home or life insurance provider if they offer insurance for pets, many do, however again just because your life insurance was good value it doesn't mean that the dog insurance will be too. Finally you could go online and compare insurance with plenty of providers in the UK. These will offer some of the most competitive premiums for cover and it is quick and easy if you go to a comparison site and check out insurance. When checking a policy this way make sure you check the small print of the insurance so you know what is being offered.
The excess of the policy
All forms of insurance come with excess. This is a sum of money that you need to pay before the insurance provider would pay the rest of the claim. This amount could differ between insurance providers so compare this along with the cost of the premiums. There is always a minimum amount of excess but you could offer to pay more and it might bring down the premiums by a little.
Pre-existing medical conditions
When considering taking out dog insurance for an older dog you have to give some thought to pre-existing medical conditions. For example if your pet has been diagnosed with an illness such as diabetes, this would not be covered in the insurance policy.
Bear in mind also that the older your pet is when you take out insurance, the dearer the premiums might be. This is due to the fact that older animals tend to become sick more often. There will be age limit and insurance providers will not insure an animal that is over this age so check this out too if you are looking for insurance for an older dog.
Finally make sure you compare the benefits to dog insurance. You might get more for your money with one provider than with another. While providers typically offer protection for the same events, vets bills, third party liability e.g. you may be able to get more extras with one provider than with another. Look to see if the provider offers financial help towards the recovery of your pet if it is stolen or lost and if you get help towards the boarding fees if you have to go into hospital.
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