Pets are just like important assets a person owns, they can and need to be insured. However, making a decision on buying pet insurance should be carefully though off given the wide range of options available in the market. Taking care of a pet will require lots of time and money, as you have to consider various related items such as food, vaccinations and property damage. 

Surveys show that one out of three per owners have made unscheduled visits to veterinarians over the last two years. Leaving your pet’s health to chance is not a safe choice. Veterinary bills sometimes cause some pet owners to be dumbfounded, as they are very expensive. 

At first, going for pet insurance is an expensive choice but in due time the owner will realize it will save him from costs that pile up especially from veterinary bills. Advances in science have resulted to the development of many treatments that help prolong the life a pet but has also led to escalating vet bills.

A pet owner should first consider several requirements before choosing pet insurance. Many insurance companies offer different policies based on type and age of the pet. Consider this, insuring a mongrel is far cheaper than insuring a pedigree, and insuring a dog will be more expensive than a cat. 

Basic pet insurance policies normally cover veterinary bills and even minor surgeries. A comprehensive policy though can go as far as covering the service charge of a pet psychologist or costs of cancelling a planned vacation if your pet needs you at the 11th hour.

Almost all forms of pet insurance include liability coverage, which will insure the owner if the animal causes bodily harm to someone or destroys the property of a neighbour. 

In addition to studying what is included in a pet insurance policy, owners should also study what is not included. Normally a policy will require the owner to wait around two weeks after his pet has recovered from an illness before being reimbursed. Sometimes, a policy will require the owner to make a small excess payment before making a claim.

The pet’s age is also another major consideration in pet insurance. Insurers normally avoid covering animals that are over 8 years old. Older pets typically need constant medical care. It is advisable to insure pets when they are young to avoid such hassle and boost chances that your pet will be covered for life regardless of what illness or treatment is needed.

Insuring a young pet will also lessen chances that it will suffer from an illness in the future, as its medical condition will be regularly monitored. Remember, most insurers do not cover pets that have an existing illness.

Luckily, some insurers provide help when the pet becomes lost or is stolen. Owners can claim costs in advertising for a lost pet and a portion of the reward that will given to the finder. Owners that fail to find their lost pets might also be allowed to claim a portion of how much they originally paid for the animal.

Many insurers also provide discounts for a customer that insures multiple pets. Given the many benefits of pet insurance, pet lovers should not think twice in getting one for their beloved household companion.

Giving love to your pet cat and dog is not enough to call yourself a responsible pet owner. Pets do need love but they should also be entitled to the right environment, exercise, activity levels, stimulation, nutrition and health care.

Those aspiring to become pet owners should realize treating a dog and cat the right way will require a lot of money and time. A large portion of a pet budget will be allocated to vet bills and this will be made worse by other costs such as hiring pet sitters or renting a boarding kennel if the owner to needs be away from his beloved cat or dog.

Various surveys show that 75% pet owners made unscheduled visits veterinarians in the past couple of years. Risking a pet’s health to fate is not advisable as chances are your pet will become sick sometime in the future.

Getting pet insurance is one way of ensuring that your cat and dog will have a healthy and happy life. Choosing the right pet insurance can be confusing, given the wide selection of policies available in the market.

Examples of pet insurance plans

Tesco Pet Insurance

- Tesco has an array of policies, which can be tailored to the needs of the pet owner’s cat and dog.

- Tesco provides coverage for older cats and dogs even. An old pet can be insured for the rest of its life.

- Most breeds of cats and dogs are qualified for insurance. However, dogs with breeds should be enrolled before they are of 6 years old..

Terms of Healthy Pets cat insurance

- Clients will only be required to pay the pet health care insurance premium quote provided by Healthy Pets.

- No premium penalties for coverage during the succeeding year if the pet owner needs to make claims on his pet health care insurance.

- Healthy Pets’ business is restricted to pet health care insurance. The company will not market car, home or life insurance. 

- Competitive premiums and covers most variety of breeds.

Healthy Pets is the logical choice if a pet owner is looking for a health care insurance company that cares for his cat and dog. Given its extensive experience in animal insurance, Healthy Pets clearly understands what should be done in taking care of pets.  
Healthy Pets is approved by the Financial Services Authority and is underwritten by AXA Insurance UK Plc.

Petwise Insurance

Petwise offers health care insurance for pet cats and dogs. Three stages of pet health insurance coverage that can be suited to the demands of the cat and dog. Bronze policy will cover as much as Ł1,000, while the Silver and Gold policies go as high as Ł3,000 and Ł5,000 respectively.

Many pet health care insurance companies limits payments for conditions to the first year only. The Endsleigh Pet Insurance policy does not have a time limit on when the policy can be claimed and coverage of conditions. Endsleigh also offers coverage for dogs and cats that die due to an illness or injury. The original purchase price of the cat or dog can be partially reimbursed.

However, this benefit cannot be applied to dogs aged 9 years old or cats 11 years old and up. Cost to advertise a lost cat or dog can also be claimed.

Endsleigh Insurance Services also has a helpline that helps pet owners in track down the most accessible veterinary office whenever they are away from home and the animal needs immediate medical attention.

A responsible pet owner is someone who not only gives special care to the animal. It now has become a requirement for the pets to also receive the right stimulation, exercise, activity levels, environment, health care and nutrition.

Those that want to become true pets owners should realize that the hobby will not be cheap and require a huge amount of time to be good at. Veterinary bills eat up a major part of a pet owner’s budget and will be added up with unexpected costs such as renting boarding kennels or hiring pet sitters.

Given the wide selection of pet insurance available in the market, customers should be very careful studying the terms and policies offered by each company. Below is data about some well-established and popular pet insurance companies to help consumers compare and determine what is best suited for the.

Endsleigh

- Features three level of pet insurance coverage that can be suited to the needs of the pet.

- Bronze policy will cover up to £1,000, while the Silver and Gold policies go as high as £3,000 and £5,000 respectively.

- Some illnesses could cause discomfort for the dog for life. Compared to other insurance companies, Endsleigh covers the dog for continuous claims up until the policy limit.

The Endsleigh Pet Health Insurance also covers pets that pass away because of injury or sickness. Dog owners can also reimburse a part of the pet’s original retail price if it is lost or stolen.

However, pet owners that have dogs aged 9 and above cannot qualify for the benefit.


Tesco Pet Insurance

- Compared to other providers of pet health care insurance Tesco provides coverage for old dogs and even those over eight years old. Old dogs can have insurance for the rest of its lifetime.

- Vet fees are automatically included and Tesco has advice lines that can be contacted anytime of the day.

- Compared to other pet health care insurer Tesco only requires a one-off, straightforward excess fee. Hidden charges are guaranteed non existent. Pet owners will also be aided by Direct Debit in budgeting costs.

Most breeds of dogs are covered.


Direct Line

Direct Line currently serves over 5 million clients in the UK and has a wide portfolio of insurance products that is comparatively larger than most of its rivals. Services can be purchased through the phone or online. Direct Line also provides services to other countries such as Germany, Spain and Italy. Direct Line’s success in the financial sector can be attributed to its outstanding line of services and products, competitive prices, a dependable customer service team and a motivated workforce.



However, those considered high-risk such as working animals and dangerous dogs are will be accepted due, as they have a significant of getting sick or hurt. In addition, Direct Line requires the animal to be satisfactory physical condition during the starting date of the policy..


Essential policy:


Direct Line’s essential pet insurance policy covers vet's fees for a max of a 12-month treatment for each injury, illness or disease, as much as £4,000 for every condition. Claims are high compared to other policies.

Advanced policy:

Under Direct Line pet insurance advanced policy, vet’s fees are covered as high as £6,000 per each condition. No time restriction on reaching the amount compare to the offering of other pet insurance companies.

Getting insurance for our beloved pets is one way of expressing our love for them.

However, choosing the right pet insurance can be daunting given the huge selection of pet insurance available in the market. A pet owner needs to carefully study the background of the insurance company and policies offered before making a final selection. Aspiring pet owners should know that the hobby is not cheap and would require a huge amount of their time.

Money will mostly be spent specially on vet bills and be compounded by unexpected costs such as the use of boarding kennels if the animal is admitted to a hospital or the master cannot attend to his pet while under treatment.

New surveys reveal that 75% of pet owners were forced to make unplanned vet visits in the past two years. Risking a pet’s health to chance is not a very wise thing to do as chances are, your pet will become sick sooner or later.

Pet owners become very surprised when they are charged with a very expensive veterinary bill. Medical costs for a dog with a heart problem can go as high as £1,000 or a cat with a broken arm will set owners back as much as £300.

A pet owner should study the requirements before choosing a particular insurance policy. Many pet health insurance companies provide different policies that emphasize on the pet’s age and type.

Animals categorized as high risk are those over the age of 8 so it is better to purchase to pet insurance while the animal is still young. Getting pet insurance this early on increases chances that your pet will be insured and properly taken care off for the rest of its life. Consider this, pets that have a lingering illness have a very small chance of getting insured.

A number of insurance companies even have special policies for pets whenever they get stolen or lost. Pet owners could claim how much they spent on advertising for a lost pet. In addition, they could recover a portion of their pet’s original price when it cannot be found anymore.

CHURCHILL PET INSURANCE

Churchill Insurance was founded in 1989 and is regarded as one of the top direct auto insurers in the UK. Churchill started to Home Insurance in 1990 and expanded its services over years. The company now offers Car Insurance, Travel Insurance, Home Insurance, Breakdown Cover, Van Insurance, Pet Insurance, and Motorcycle Insurance.



Churchill is based in the UK all of its call centres are located in the UK.

Churchill Pet Insurance’s insurance offerings

- Customers that apply for pet insurance online will avail of a 5% discount.

- Veterinary fees reaching as high as £3,000 can be covered. Can be applied to one condition per year from the start of the policy. Complementary treatment can go as high as £1,000

- Pet owners can claim as much as £1,000 for costs to advertise for a lost animal.

- Churchill offer coverage of as high as £500 for pets’ death resulting from an illness or accident.

- Churchill can cover costs for the use of an emergency kennel or cattery fees if the pet owner needs to be admitted to a hospital.

- Monthly payments from Churchill do not include any excess or hidden charges.

Choosing cheap pet insurance is not a viable option for pet owners, said veterinarians who responded to a new study by MORE TH>N. The proliferation of cheap pet insurance has become a concern for over 90% of vets across the UK, as these only offer coverage in short period time. The length heightens chances that customers are paying more for less.

While the offerings of budget insurers are affordable, these only provide extremely limited coverage and not likely the expenses in treating a pet that develops an ongoing condition that might requires years of continuous medical attention. Such conditions include epilepsy, heart problems, skin conditions, arthritis and diabetes.

Cheap pet insurance becomes practical only for young dogs. However, an older dog’s high risk of developing an illness or encountering an illness must be considered when selecting the appropriate pet insurance policy.

Pet owners nowadays are having a hard time gaining a deal with an insurance company due to the various conditions they apply. Advances in animal medical science has helped prolong the lifespan of pets. 

However, many insurers are refusing the cover high-risk pet especially those over the age of eight. The situation has results in thousands of pet owners across the UK without insurance for their beloved household companion.

Those without pet insurance will likely be burdened with costly veterinary bills in the even that something goes wrong. The fact that the lifespan of dogs has become longer shows that insurance companies have no excuse of restricting their offering to young dogs, said MORE TH>N head of product Graham Hollebon. Older dogs will likely suffer illnesses, which are normally very expensive and lengthy to take care of.

Pet owners should select an insurance policy that does not restrict treatment to the first year before the pet requires any long-term care. Various studies show that over 95% of vets insist that pet insurance is a must for pet owners in order for them not to be showered with huge bills in the event that their pet becomes sick or needs continuous medical care, added Mr Hollebon.

Why Go Cheap?

Face it, cheap is cheap. Many insurance companies out there are trying to con consumers by telling that they have the best rates because they have lowest available in the market. Why risk the health of your beloved to the hands of cheap pet insurers that offer nothing but limited coverage and lame policies.

Acquiring pet insurance will be expensive at first but this beats paying off veterinary bills. Vet bills will become more daunting especially if they pile up in the future. 

Pet owners should consider several requirements before choosing the services of an insurance company. Most insurance firms offer different policies that greatly emphasize on the type pet and it age. 

For example, an insurance for a pedigree will be more expensive compared to a mongrel, and insuring a cat will be more expensive than insuring a dog. A basic pet health insurance policy normally covers veterinary bills and minor surgeries. 

Comprehensive plans are more flexible, as some even pay for the charges of a pet psychologist or costs of calling off a paid vacation in the last minute if the animal needs treatment. 

Petplan is one of the most well-established and respected pet insurance companies in Canada. No pet owner will plan on allowing the animal to become sick or hurt in an accident. However, Petplan will give pet owners a way to not worry about unplanned medical bills.

Insuring a pet in Canada is a not a common practice unlike in the UK and Sweden. In today’s world, being a responsible pet owner is not just by loving the animal but also providing the right exercise, stimulation, environment, activity levels, health care and nutrition for your pet. Canada’s Petplan has the best intentions when it is about saving up for emergencies. Petplan has the so-called Cover for Life plans for cats and dogs, which serve as unlimited emergency funds.

Purchasing health insurance is one way of controlling and budgeting expenses and keeping your pet healthy. Petplan will give monthly updates in order for the pet owner to be always prepared for an emergency.

Choosing a pet

Never buy on impulse and give yourself an ample amount of time before deciding to get a pet. A pet is a lifetime commitment and will highly depend on its master for all of its needs.

Dogs can live for as long as anywhere from ten to fifteen years or even more and a puppy is a living creature you cannot be expose to a trial period. Be prepared to make an obligation to the well being and care of your pet from its young age to old age. 

Managing Difficult Decisions

Many pets across Canada have life-threatening diseases that are not treated properly, as their owners do not want to bear the costs. Pet insurance will enable the pet owner to give the best possible care to their beloved household companion. Petplan guarantees that it will cover pets that have illnesses developed before the insurance was purchased. Pets will be covered for any conditions that come up before they are enrolled or after the waiting period. 

Aspiring pet owners normally choose a breed of a dog or cat that will fit with their lifestyle. However, they usually forget to budget for the common medical problems and illnesses associated with the pet’s breed. Accidents will also come into play during a pet lifetime and these include eating foreign objects, fighting with other pets and ear infections.

Background of Petplan

Petplan is Canada's oldest and largest pet health insurance company and has been operating since 1989 with over $53 million paid in claims. Petplan is the leader in the Canadian pet health insurance industry boasting of new plans and coverage. A pet’s life is easier and enjoyable if insured under Petplan. Rates start at $11.95 monthly for dogs and $9.95 for cats. 

Petplan understands the demands of every pet owner in Canada given its maturity and experience in the business. The company continually interacts with its industry affiliates, veterinary professionals and most importantly pet owners. Communication helps the company shape and customizes its policies that are appropriate for evolving needs and lifestyles.

Petplan’s partner companies include Novartis, Iams., PetLynx and associations like Canadian Federation of Humane Societies (CFHS), the Canadian Kennel Club (CKC), and the Canadian Cat Association (CCA).

As business partners in the pet health community, the groups have been able to advance their common goal, which is to give a pet a healthy and long life.

Pet owners know the importance of ensuring that the animals enjoy the best available treatment in situations they become or injured. Veterinary fees can be very costly, with as much as £750 could be spent on treating a cat or dog injured in a road accident. 

In the UK, a normal visit to a vet currently costs £200 on more average, while animals that need to undergo a complex treatment might result to an eye-popping bill of £4,000.

A lot of time and money will be spent in taking care of a pet. In addition, the pet owner should consider various related items such as food, vaccinations and property damage. 

Studies show that almost 75% of pet owners were forced to make unscheduled veterinary visits over the last two years. Treatment for a dog with a heart ailment can cost up to £1,000, while treating a cat with a broken leg can go for as much as £300. This is where a pet insurance plan becomes handy, as it will help the owner save on such costs.

Purchasing a pet insurance plan is expensive at first but this will be a more practical move than paying off vet fees in full. The continued evolution of science has resulted in the creation of many treatments that help prolong the life of a pet. Like any other application, a pet insurance plan has requirements that should be considered by the owner. 

Many insurance companies have various policies depending on the pet’s type and age. A pet insurance plan for a mongrel will be cheaper than something suited for a pedigree. A typical pet insurance plan normally covers vet bills and minor surgeries. However, a comprehensive pet insurance plan has more flexible coverage like paying for the services of a pet psychologist or fees to cancel a vacation.

Nearly all types of pet insurance plan feature liability coverage. Under liability coverage, the pet owner will be insured if the animal inflicts bodily harm to another person or causes damage to property. The insurance company will normally tell the pet owner to wait around two weeks before claiming the policy and or even make an excess payment.  

A pet insurance plan will also greatly consider the age of a pet. Unfortunately,  many insurers avoid covering high-risk animals particularly those over 8 years old. 

Older pets need continuous medical care and monitoring. Pets should be insured while they are still young to increase chances that they will be properly taken care off for life especially if they develop an illness or become injured.