subject: Choosing Your Pet Insurance Online [print this page] Choosing Your Pet Insurance Online
Pet insurance is something that can bring a great deal peace of mind; however it comes with additional cost. When looking for the most suitable cover for your pet, at a premium that you can afford, there are certain benefits you may wish to ensure are included in your policy.
What you get for your premium
One of the main benefits to pet insurance is help towards the cost of treatments if your pet were to fall sick or suffer from an accident. The costs of vets can soon add up to a considerable amount of money and your insurance policy provides at least some if not all towards the costs. Remember that your pet might have to have tests such as x-rays; they could need treatment or even a stay at the vet's hospital and have to continue to take medication if they become ill. Your insurance policy might cover other aspects of your pet's health such as homeopathy treatment or treatments for behaviour.
Insurance for your pet is not all about health, a policy typically covers many more aspects that could otherwise leave you out of pocket. For instance your dog could be very easy going yet if it thinks you are in danger there is the possibility that it could attack. If this is the case and someone gets hurt by your pet they could sue you. The insurance policy usually covers third party liability so you would have money towards court costs. This part of the insurance also covers damage to someone's property by your pet. This might come in useful if your pet causes an accident and a third party's car is damaged.
The loss and theft of your pet is typically covered in your insurance policy. This usually pays towards advertising the loss or theft of your pet and putting up a reward for the safe return of them. Your pet might also be insured against death.
When to take out insurance
The sooner you take out insurance for your pet the better and the cheaper the policy may be. Younger pets are usually seen to be healthier than older ones so if you take out a life policy for your pet this might be the best way to ensure you do not pay over the odds for insurance. Usually dogs and cats can be insured once they are over the age of 8 to 12 weeks, before this they should still be with their mother. Bear in mind that there could be a maximum age limit too.
The type of insurance
When looking for pet insurance you first have to decide what type of cover you need. Insurance can be taken out for the year, with limited conditions or protection for life. Any policy comes with small print and terms that you need to read before taking the policy. All policies will usually only pay out up to a maximum amount towards costs covered in the policy. Always bear in mind that any pre-existing medical conditions will not be covered in the insurance policy and this is another reason to take out cover early while your pet is young and healthy.
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