Many of the popular comparison sites can offer pet insurance policies for their pets: cats, dogs, rabbits and horses, and therefore some people tend to take out the cheapest option given, but then have to pay an extortionate excess, or pay for the medical care themselves. Or in some cases, pet insurers will pay the vet directly.
The aim of pet insurance policies is to make sure that your costs are covered in the event of an injury or illness. If you do not have the right protection for your loved one, you could be faced with the heart breaking choice of finding money for the medical fees or having your beloved pet put to sleep. Even if you have got some savings in your bank, in most cases, pet insurance can work out a lot cheaper if you actually need to claim.
However, at George Williams Insurance Services all we ask for is some basic information about your pets and their previous medical history. We will then shop our panel of insurers to find you high quality cover at a great price. When taking out pet insurance, it’s important to know that there are two main types of cover:
Annual Pet Insurance:
- Tends to be cheaper.
- Can be useful if you only want cover to provide treatment, for example, for a specific one-off illness or accident.
- The policy lasts for 12 months and then expires. If your pet then needs longer-term treatment, it won’t be covered after the policy expires. You then need to declare any pre-existing conditions when getting another policy. Pre-existing conditions are rarely covered under the standard terms of pet insurance policies.
Lifetime Pet Insurance:
- Can be more expensive, but is usually a safer option.
- Useful if you have a pet that may needs ongoing treatment.
- Peace of mind of knowing that you’ll always have cover in place. Lifetime cover is renewed each year and will cover your pet for ongoing illnesses, including asthma and arthritis.
Did you know? As of 6th April 2016, you need to have your dog microchipped by law.