21 Oct 2011

Pet Insurance

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There are clear advantages and disadvantages to getting pet insurance. So, do you do it or not? Hopefully, this article will help explain them to you and help you make an informed decision.

Advantages

  • If your dog gets injured or falls ill and you cannot afford the vet bills, insurance will help you out.
  • If your dog goes missing, insurance companies often help with advertising and a reward.
  • Perks with some insurers, such as boarding costs should you be hospitalised and holiday cancellation cover should your dog fall ill while you are away.

Disadvantages

  • There will be an excess and a limit to how much you can claim, no good if your dog is ill for a substantial amount of time.
  • You will have to pay for the insurance each month and might not ever need to claim.
  • Sometimes, you may need to pay the vet yourself and then claim back, costing you money.

So, there are some things to discuss, if you feel like you can cope with your vets bills should something happen, then insurance may not be for you, particularly in your dogs healthier years. However, if you have an older dog, it may be worth considering.

Various companies offer different benefits from their insurance, for example, multi-pet discounts, legal advice line, grief counseling and public liability.

Here are a few comanpies that offer pet insurance:

  • Tesco
  • Direct Line
  • Sainsbury’s
  • Pet Plan
  • More Than

Just remember, do your research into many companies before making a choice as to which company and what plan you go with.

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