Today you can get many different things insured. Most people will go for the obvious choices first such as their car, their home and their life. Others will also want to get their pets insured in case anything happens to them as they can get injured or fall ill. With this guide to the best pet insurance you can find out what you need to know before signing up for a policy and make sure that your animal has the cover you want.
What does you policy include? Do not assume that all insured animals get the same cover because they don't. The treatment and amount payable all depends on the policy that you have taken out. Never take one out if you are not absolutely sure of what you are getting for your money.
Next you need to consider if cover for a particular animal or breed would be more suitable. This can often work out better for you if you have a breed that is prone to certain problems as the insurer will have cover for you. If you have a mixed breed dog for instance a more general policy might be more suitable.
It is also vital to understand that when you take out a policy you will still be expected to pay for all annual visits to the vets. No insurer will cover you for this as everyone expects to take their pets to the vets for vaccinations and checkups. So don't assume that you will not have to put aside money for this each year.
The amount of excess that is payable if you have to make a claim is also an issue that many people overlook. While you will be able to see the amount you can claim you should also check the excess. The amount that you can claim, which usually starts in the hundreds of dollars and goes into the thousands, is only paid if the excess has been paid.
If you have a dog that is an escape artist and plenty of people do, you will be pleased to know that a lot of insurers will have liability cover. This means that should your dog cause an accident any claims will be paid out to injured parties. You might not think that this is an essential but many people have found out that this has been a financial life saver if their dog damages any property or injures someone.
You should also know the difference between an annual policy and a lifetime policy. Annual policies run out each year and will need to be renewed or you can change your insurer. Lifetime policies are with the same insurer for the lifetime of the animal.
In short if you want to get an excellent product you will need to do your research and read the small print before agreeing to a policy. See how much the cost will be, how much you can claim and what the excess it. Then when you are totally happy you can sign up and have the peace of mind of knowing that your pet is protected.
What does you policy include? Do not assume that all insured animals get the same cover because they don't. The treatment and amount payable all depends on the policy that you have taken out. Never take one out if you are not absolutely sure of what you are getting for your money.
Next you need to consider if cover for a particular animal or breed would be more suitable. This can often work out better for you if you have a breed that is prone to certain problems as the insurer will have cover for you. If you have a mixed breed dog for instance a more general policy might be more suitable.
It is also vital to understand that when you take out a policy you will still be expected to pay for all annual visits to the vets. No insurer will cover you for this as everyone expects to take their pets to the vets for vaccinations and checkups. So don't assume that you will not have to put aside money for this each year.
The amount of excess that is payable if you have to make a claim is also an issue that many people overlook. While you will be able to see the amount you can claim you should also check the excess. The amount that you can claim, which usually starts in the hundreds of dollars and goes into the thousands, is only paid if the excess has been paid.
If you have a dog that is an escape artist and plenty of people do, you will be pleased to know that a lot of insurers will have liability cover. This means that should your dog cause an accident any claims will be paid out to injured parties. You might not think that this is an essential but many people have found out that this has been a financial life saver if their dog damages any property or injures someone.
You should also know the difference between an annual policy and a lifetime policy. Annual policies run out each year and will need to be renewed or you can change your insurer. Lifetime policies are with the same insurer for the lifetime of the animal.
In short if you want to get an excellent product you will need to do your research and read the small print before agreeing to a policy. See how much the cost will be, how much you can claim and what the excess it. Then when you are totally happy you can sign up and have the peace of mind of knowing that your pet is protected.
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