subject: Enjoy the Peace of Mind of Pet Insurance [print this page] Enjoy the Peace of Mind of Pet Insurance
Pet insurance brings enormous peace of mind if the worst possible scenario arises. It's bad enough knowing that your pet has been injured or has fallen sick without the worry of where you might get the money to pay the vets fees. With insurance you have something to fall back onto to at least help out financially which leaves you to concentrate on your pet's recovery.
The benefits to pet insurance would of course depend on the type of pet you are insuring. Typical benefits to cat or dog insurance may include:
Money towards the cost of your vets bills if your pet suffers an accident or becomes ill. This usually includes such things as tests, x-rays, treatment and medication. However there is typically a limit on the total amount you are able to claim up to per year.
Money to help recover your pet if they are lost or stolen. This might include costs towards advertising the theft or loss of your pet and money towards a reward.
Pet insurance usually covers cattery or kennel fees if you have to stay in hospital due to an accident or illness. Again there may be limitations on the amount the policy would payout.
If you are insuring a dog your policy might provide you with third party liability insurance. This would cover costs associated with your dog causing an accident or damaging someone's property. It could also cover your dog injuring someone. The policy pays out towards your legal costs, up to so much.
Your pet may be covered for death by the insurance policy.
You may wish to check if the insurance policy covers vets fees while you are travelling with your pet.
The policy might pay for transportation costs if your pet has to be taken to another treatments centre if they are injured or fall sick and your policy covers these events.
As you can see a policy typically covers numerous events that could otherwise leave you out of pocket by a great deal of money. However as with any type of insurance policy there are some things that pet insurance will not cover including:
Having to wait for a period of time after taking out the insurance policy before making a claim on it.
There will be medical issues that the policy typically does not cover, these could include such as problems relating from pregnancy and the policy might not cover certain treatments including unconventional treatments.
It is important when comparing pet insurance that you do not forget to check the terms of the policy. While reading the small print is boring, it is worth reading as this is where you can find what is covered and not. It is also where you can find out how much you have to pay towards any claim that you could have to make in the future. The excess has to be paid up front by you and then the insurance provider will pay the rest of the claim.
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