Puppy insurance


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Compare puppy insurance

Chewed shoes; clawed carpets; miscellaneous yellow puddles of suspicious origin? If you’re experiencing any of these, then chances are you’ve got a puppy in the house. But despite their desire to teeth on everything in sight and walk mucky little paw prints along your cream carpet – there’s no question that puppies are cute little bundles of loveliness and you’d have to have the hardest of hearts to stay angry at one for long. And like any loving parent, you’ll want to take care of your pet pooch and what better way of making sure you can do that than by investing in puppy insurance?

Frequently thought questions

Chances are you wouldn’t ask ‘how to insure my puppies’ out loud; but if you genuinely have a puppy then you’re more than likely to think it (whilst sniggering quietly). So, here are some other ‘frequently thought questions’ about insuring your prized pups (no laughing please).

Why do I need puppy insurance?

Insurance isn’t compulsory but getting cover for your puppy is a good way of making sure that you can keep your furry best friend in tip top health. You can usually insure your puppy from around eight weeks old but in some cases, you could start cover from as young as six weeks. Insurance won’t be the most exciting thing you buy for your mini mutt but it could save you from some hefty fees. It’s estimated that vet bills are rising by around 12% a year and even simple canine problems like ear infections could set you back an average of £313 – woof!

What types of puppy insurance are there?

Let’s take a look…

Accident only

The cheapest option is Accident only, and the clue’s in the name on this one – it typically only covers your vet bills in the event of your pup having an accident. Illnesses that your paw-some pal develops, won’t be covered.

Time limited

A Time limited policy, usually runs for 12 months. There’s also normally a cost limit, so once you’ve reached that cap, then you won’t be able to claim anymore.

With these policies, you can claim for any new illnesses your pet develops, recurring illnesses may not be covered when it comes to renewal so you’ll need to read the policy T’s and C’s of. There’s also normally a cost limit, so once you’ve reached that cap, then you won’t be able to claim anymore.

Maximum benefit

If you don’t want to be limited by time constraints, then Maximum Benefit cover could be a good option. You’ll be insured up to a certain cost limit; but the difference between this and an annual policy, is that you can claim for a condition up until your cost limit has been reached rather than once the 12 months is up. However, read the small print because some policies set cost limits per condition or simply overall. Once you’ve reached your limit for a certain condition; you won’t usually be able to claim for it again.

Lifetime cover

For a comprehensive policy, opt for Lifetime cover; and as long as you never have a break in cover this could ensure your pet is insured for all new and recurring conditions up to a certain cost limit. When you renew your policy, you’ll still be able to make claims for ongoing conditions. 

What does the insurance cover?

The gist of insurance policies may sound the same, but different providers will have different ideas about what’s specifically included in their policy and financial limits will also vary. Some things to look out for include:

Why should I compare with comparethemarket.com?

Well, it’s what we do and we think we’re pretty good at it. Just tell us what you’re after and we’ll do the searching for you. It’s easy, quick and we won’t even demand a walk or a treat – you can click and compare straight from the sofa (so you can both practise your sitting skills).

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