A Guide To Choosing Dog Insurance

Peace Of Mind For You And Protection For Them

People tend to think it’s only older pets that get ill and therefore younger pets don’t need pet insurance but we know from the patients we see each day that that is not the case.

It is important to note that not all pet insurance is the same. There are many different types of policy available and the level of cover provided can vary considerably. The four main types of policy are as follows:

  • Accident: provides cover for accidents only and no cover for illness
  • Time-Limited: provides cover for a set amount of time (usually 12 months) and after this period the condition is excluded
  • Maximum Benefit: provides cover up to a maximum amount of money per condition and once this limit is reached the condition is excluded
  • Lifetime: provides a set amount of money each year which is refreshed each time you renew your policy allowing you to continue to claim for ongoing conditions

Is Dog Insurance Worth It?

So, is dog insurance worth the cost? It can cost you a few hundred pounds a year – but the cost of treatment at the vet can go much, much higher.

However well you look after your canine companion, there’s always the chance of a nasty accident or an illness, and without insurance you could end up having to fork out serious amounts of cash to see your dog’s tail wagging again.

A good dog insurance policy can help out with those costs – it’s a small price for peace of mind.

Choose The Right Level Of Cover

There are four main types, each offer a different level of protection for your pet:

Accident Only Policies

This type of policy only covers injuries your pet suffers after an accident.

This may not be a suitable option if your pet is likely to develop health issues later in life because treatment for illnesses will not be covered.

For example, if you have a pedigree bulldog they will be more likely to develop heart problems or hip dysplasia in later life, and an accident only policy will not cover their treatment.

How Much Does Pet Insurance Cost?

There are many factors that are considered when purchasing a policy, no pet is the same and therefore the cost can change. The age, breed, location, whether the pet is neutered, type and size of the pet play a part in determining how much the pet insurance will cost. Each of these factors provides a different risk rating - so the higher the risk the more likely you are to make a claim and subsequently the more expensive the insurance generally costs. Generally speaking, the most expensive level of cover is lifetime (reinstatement), however this also provides the most protection.