subject: Explaining Dog Insurance in Easy to Understand Terms [print this page] Explaining Dog Insurance in Easy to Understand Terms
Thinking about taking out dog insurance is one thing, but when you come to look for the insurance it is another. Any form of insurance is not the easiest of things to consider and insurance for your dog is no exception. Check out the guide to insurance for your pet below.
The level of protection you want for your pet
This is one of the first choices you have to make when you compare dog insurance online. You will find that you can get a policy that comes with a time limit, usually a 12 month period, and there is a limit as to how much the insurance policy pays out for each condition during that period. If you were to claim the maximum amount for say an accident that required vet treatment 4 months after taking out the policy then you would not be able to claim for accident again during the year. This is typically the cheapest type of pet insurance that you can take out.
You might wish to take out dog insurance that covers conditions and events for a maximum amount but there is no time limit on the policy. However when taking this type of insurance bear in mind that once you have reached the maximum limit, no further payouts will be made on the insurance policy.
Alternatively you could wish to cover your pet for life. This means that as long as you continue to renew the insurance premiums your pet would be covered for as long as it lives. Usually with this type of insurance there again would be a maximum amount that would be paid out of an event.
The benefits you can find in insurance for your best friend
There are usually many benefits to taking out dog insurance. However these do depend on the insurance provider you choose and some may give you more for your money that others might. Usually you will have financial help towards:
Any vets fees, whether your pet is taken to the vets for an illness or if it has suffered an accident. Tests, treatments and medications are all usually included in the insurance policy with the policy paying out up to the maximum amount.
The death of your pet is typically covered in the insurance if you dog dies due to accident or illness. Old age and death by natural causes are usually not covered.
You could have financial help towards the recovery of your dog if it is lost or stolen. The insurance policy typically pays towards advertising costs and a reward.
As you can see there are many things covered by dog insurance which can cost you a small fortune. Vets fees in particular can work out very expensive and while the insurance policy might not cover the whole of the vet's bill, it would at least go towards it. When considering an insurance policy check the small print to find out how much excess you have to pay towards the policy if a claim has to be made and what the exclusions and limits are in the policy.
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