Insurance for pets, such as cats and dogs, is actually something that many people are not even aware of, but this type of insurance is crucial to keeping your pets happy and healthy for many years to come. Much like humans, pets can become ill, need surgery, or require regular medication, and also like humans, all of these things can become quite expensive if you do not have insurance. Purchasing insurance for your furry family members puts your mind at ease and allows you to love and care for them, without worrying about what to do should they get sick. Although most insurance policies require an excess amount, these amounts usually are no more than £200 per year, and since the policies cover nearly everything that could go wrong with your pet, they are well worth the price tag.
Coverage is Extensive
The coverage you receive in exchange for your premium is quite extensive, and includes things such as surgery, regular check-ups, hospitalisation, prescription medications, basic illnesses, congenital and hereditary conditions, and even care for conditions such as cancer. Most policies even cover emergency boarding fees, and they also offer discounts should you decide to cover additional pets. The yearly limits that are paid out are quite high – up to £15,000 – and the policies usually cover up to 80% of the costs associated with a certain treatment or affliction. Considering that the average premium is usually quite low, these amounts ensure that the coverage you need will, in fact, be provided once you purchase a pet insurance policy.
Of course, there are a few situations that regular insurance for pets does not cover, including elective surgery, conditions related to pregnancy, and some pre-existing conditions. However, most things are covered and should be no problem once a policy is purchased and kept up-to-date.
Going Online is an Excellent First Step
Most insurance companies have comprehensive websites that explain in detail all of their policies, and many even allow you to purchase your policy right online. Although there are some waiting periods for certain conditions, things such as accidents are covered immediately, and the waiting periods that do exist are usually quite short. Furthermore, all details associated with the policies are explained in detail on the insurance companies’ websites, and there is usually also a simple and fast way to contact the company should you have questions or concerns that need to be addressed.
Pets can become ill or get into accidents, which are always unfortunate, but when you have an insurance policy in effect, the price associated with making them healthy and happy again does not have to cause concern. Insurance policies enable you to have peace of mind while taking care of your pets, and they ensure that if something does go wrong, you will be able to easily pay for whatever your pet needs to become well again. Since pets are family members too, this peace of mind is invaluable and priceless, and is worth the small amount of money we must pay for it.