What important points do I need to consider closely when choosing
my pet's insurance policy?
The premium.
The basic level of cover costs less than you may think. The more
comprehensive the level of cover, the more expensive the policy
is going to be.
Take care however that you are not paying for cover that you
are never going to use; for example paying for travel cover under
the pets passport scheme if you will never be taking your pet
abroad!
Premiums are usually set in the following ways:
Most companies will ask you for a bigger excess payment once
your pet reaches a certain age.
Exclusions
Make sure you check the exclusions to ensure the cover provided
meets your needs.
Possible exclusions
Is 3rd party cover automatically included?
Does the policy provide cover for Euthanasia?
Not all companies will provide cover for euthanasia.
Does the policy cover veterinary fees for whelping &
kittening?
Some pet insurance companies offer cover as standard for such
costs or have policies designed for breeders.
Does the policy cover Death from Accident or Illness?
Many pet insurance policies do provide cover for Death from Accident
only and some will include Death from Illness.
Age of your pet.
What other cover might be provided?
Many companies offer a discount if more than one pet is insured,
or if the policy is purchased online.