What does the insurance cover?
It’s important to start by saying that puppy insurance policies may differ from each other. In some policies items are included where in others, they aren’t. Limits can also vary too.
It is therefore important to check the terms and conditions to be sure you have the right level of cover you need.
Remember, your puppy insurance policy will cover medical expenses but it won't cover routine visits to the vet or vaccinations or neutering.
The types of costs that can be insured against include:
- Vet Bills – These are the obvious and most important feature of a policy. With some pedigree dogs there is the chance of hereditary conditions. Talk to your vet and insurer to make sure you are covered for any conditions that may be likely occur.
- Death by accident or illness - Though you certainly won’t be considering this with your young pup, if the worst were to happen you could get back what you paid for it or what it could have sold for.
- Kennel fees - In the event that you are hospitalised and no one else can look after your puppy, this cover will pay for the use of a kennels. There are usually restrictions involving you being in hospital for a period of time in order for the cover to apply.
- Third Party Liability - Third party liability covers you in the event your puppy injures someone or causes damage to someone’s property. Granted, he or she might look a bit too small and cuddly to do that now, but bouncy young dogs can be a bit boisterous and careless!
- Dental cover - If your pet needs dental work this section of the policy will cover it. Usually policies only cover accidents but some policies may also cover illness.