Why Get Pet insurance?
Vets bills can be very expensive, and even minor treatment such as standard puppy/kitten immunisations can cost hundreds of dollars, so to make sure you can afford the very best medical treatment for your family pets it is important that you consider taking out a pet insurance policy.
Pet insurance can provide financial support in the event your pet becomes ill or is injured, and can cover the costs of both visits to the vets and any medication and follow up treatment that may be needed.
There are two main types of pet insurance on offer, long-life insurance and time-limited insurance:
· Long-life insurance – this will protect your pet for the duration of its life, and pay out for any medical treatment in the policy’s inclusion parameters. You will need to check the small print carefully to see what conditions are excluded from the cover, as for example chronic conditions such as canine arthritis can be excluded, and if your pet is suffering from this sort of condition your policy would not pay out for any of the treatment related to this.
· Time- Limited – this type of policy will only pay out for the term of the policy which could be anything from 12 months to 2 years, and as with the long-term insurance policies it may have certain exclusions that you will need to check before you sign up.
Some pet insurance policies will also cover you for kennel/cattery fees should you become ill or need to go into hospital and are unable to look after your pet, and can provide both financial and legal cover for you for any damage or injury that your pet might cause. You may also be able to claim for any advertising fees if your pet is lost.
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