How likely are you to need pet insurance? According to one provider of a popular pet insurance plan, over one-third of policy holders end up claiming on their policy at least once. And pet insurance isn’t necessarily an indulgence for owners who’ll pay anything to keep their pets healthy, say industry spokesmen. According to the latest figures, a good pet insurance policy can shield you from hefty vet fees if your pet requires medical care.

- £2500 for hip replacement for a typical dog
- £1,200 to set bones and care for a cat injured by a car

A good pet insurance policy will cover expenses in a number of different types of situations.

- Property damage by your pet
If rover gets loose and uproots the neighbor’s prize petunias, don’t despair. If your home insurance policy doesn’t cover the cost of replacement (some policies do), your pet insurance should. Some policies will cover damage done to your rented flat by your pet as well.

- Kennel fees if you fall ill
Who’ll take care of your pet if you end up hospitalised for any length of time? Most pet cover will pay for kennel fees or cattery fees to board your pet while you’re in hospital. That’s one less worry for you so you can concentrate on getting well.

- Advertising costs for a lost pet
Most pet insurance policies reimburse you the cost of printing Lost Pet posters and advertising expenses in case your best friends wanders off or is lost.

- Vet bills
The amount that your pet insurance will pay on vet bills varies and can depend upon many factors, and there can be many exclusions. If you own a pet that is prone to congenital conditions, you may find that those are excluded from cover, for instance, as will be most pre-existing conditions.

- Compensation for accidental loss or death of your pet
If your pet is lost or stolen, the policy may pay out a death benefit for burial or disposal, as well as replacement cost for the animal. While nothing compensates you for the loss of that particular pet, it can be an important benefit if your pet was an expensive breed that you’d like to replace eventually.

- Payment for holiday cancellation if your pet becomes ill
You may have travel insurance, but it’s not likely to pay out if you choose to stay home because your cat is ill. Pet insurance, on the other hand, can do exactly that.

How to Save On Pet Insurance

Like vet bills, the cost of pet insurance is rising steadily, but you can still find some excellent bargains. The key to getting value for money from pet insurance is to know what you need and to get it by shopping around. There are currently over 400 different pet policies on offer in the UK, and prices can vary by quite a lot. Shop online at insurance price comparison sites and get quotes from several different providers.

Don’t make the mistake of buying based on the cost of the premiums alone, though. Compare the benefits offered on the different policies to choose the one that’s the best fit for you, your pet and your budget.

About the Author:

Find out how a good
pet insurance policy
can protect you from expensive vet bills and which insurers have the best reputation with real customers at
http://www.uk-insurance-index.co.uk/pet-insurance-companies-1.html.

Article Source: ArticlesBase.com – Does Your Pet Need A Pet Insurance Policy?

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I have a one year old border terrier and he is currently registered with Petplan pet insurance,however the monthly premiums are quite high. My dog is on the covered for life policy and petplan will pay the vets bills direct.
I want to know if there are any other cheaper insurance companies who will pay the vet directly if there are any bills and also who will pay the cost of any medical treatment for life rather than just a year.

The following website doesn’t review all pet insurance carriers, but it’s a good start:

Cheap Pet Insurance

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My cleaning people accidentally locked my cats in my bedroom and they subsequently peed on my bed, ruining the mattress and pillows. Will my renters insurance cover this kind of pet related damage? I use State Farm.

No sorry, damages your own pet does to your own stuff is not covered. It is specifically excluded in your renters policy. You can TRY to go after your cleaning people’s general liability policy but you would have to prove negligence. Did they KNOW the cats were in the room when they closed the door? Cats are notorious for hiding so they may not have known they were in there. Good luck to you.
When you get a new mattress, get a good mattress cover (they are waterproof & terrycloth on top) and do not feel funny. You don’t even know it is there. Your local mattress store should have them (they are about $65 but worth it – sorry I don’t remember the brand we got). They make them for pillows too. If your new mattress has a warranty, they may require you get a good mattress cover. I have one for my son who had accidents when he was younger & when we got our new mattress I got one for us too because I was pregnant.
It also keeps dust & dust mites from getting into the mattress.

Pet Insurance Cover

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