What should I consider before getting pet insurance?
There are various pet insurance policies; it’s important to consider all your options and to balance the likelihood that you’ll make a claim against the cost of your premiums.
Cost of insuring your pet: the more comprehensive your cover, the more it’s likely to cost. However, the less your policy covers, the more you might have to pay in vet bills if something happens to your pet.
Getting the right policy: it’s very important to get the right cover for you and your pet. Pet insurance can vary, so think about how you would deal with an unexpected bill.
The level of excess: excess is the amount of any claim you need to settle out of your own pocket. Typically the higher your excess, the lower your premium, but make sure you can afford to pay any excess you agree to.
Maximum amount of cover: make sure you know the maximum amount of cover your policy provides towards vets’ fees.
Consider risks with your pet: an older pet can cost more to insure and has a higher chance of needing medical attention.
Different breeds can be more susceptible to hereditary conditions and on-going illnesses that may not be included in your cover.