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Tips To Keep Pet Insurance Affordable 2022

In contrast with humans, our four-legged friends don’t have access to the NHS if they fall ill or are injured. Veterinary treatment is the only option and often results in a hefty bill. Investing in pet insurance can give you peace of mind – here’s what you need to know.

– Only in the case of accidents

There is a low-cost type of policy that only covers accidents involving pets – as the name suggests. This policy usually covers one accidental injury per year. Be sure to do your research if your policy also covers emergency illnesses or accidents.

Perfect for: daredevils and pets who are prone to accidents.

– Per condition with a time limit

A reasonably priced type of pet insurance – you’ll be charged a maximum fee, and this will cover your furry friend for 12 months after being diagnosed with an illness. The extra cost will apply if the cost of the treatment exceeds the limit or if it continues over 12 months. In the event that your pet suffers from another illness, a new course of treatment will be available for 12 months.

The best choice: pets with short-term illnesses, one-time injuries, and minor surgeries after an accident.

– Per condition, no time limit

A single condition will be covered for a fixed fee, such as £3,000, but the treatment lasts for however long it takes. The £3,000 might last several years, for example. In cases of recurrence or changes in insurers, your pet will not be covered if the illness or injury recurs after treatment.

The best choices: are pets with short- and medium-term illnesses, as well as pets that have had accidents and surgeries.

– Lifetime cover

If you renew the policy annually, you will be able to cover the health and welfare of your four-legged friend for as long as they live. The most comprehensive type of pet insurance covers a maximum amount per year, for example, £10,000. Nevertheless, some insurance providers refuse to renew it. Extras can sometimes be covered by lifetime policies, such as dental fees, behaviour coverage, or cremation or burial fees.

Suitable for: pets with chronic illnesses like diabetes, arthritis, and cancers who need constant treatment.


The golden age

In general, insurance companies classify pets over the age of eight as ‘older pets’. While insurance is still available for these pets, premiums are usually higher since older pets are more likely to contract illnesses.

Pedigree pets

Pedigree pets are also often charged higher premiums by insurance companies. Because of their inbreeding, they are more prone to long-term hereditary illnesses than crossbreds. Also, it is more likely for pedigrees to be stolen.

Location, location, location

Depending on where you live, the cost of your pet’s insurance cover may also vary. London, for example, has higher vet fees, so the insurance of a pet in this city would cost a little more.

Pre-existing conditions

You cannot claim for an illness more than once with most insurance providers, which excludes pre-existing conditions. No matter what provider you switch to, you will not be covered for that condition again.

Health check-ups

Vaccinations, spaying and neutering, and flea control are not usually covered by most policies. Pet insurance is mainly for unforeseen circumstances.

Dangerous dogs

Dangerous dog breeds, such as Pit Bull Terriers, Japanese Tosas, Dogo Argentinos and Fila Brasileiros, are excluded from insurance coverage.

Working 9 to 5 dogs

There are also fewer insurance companies that will cover working dogs – racing, hunting, service, military, and sheepdogs are all at a higher risk of illness, injury, and public responsibilities.


Microchip them

It will not only show insurance providers that you take security seriously but also help you reunite with your beloved pet if the worst happens. Many companies offer discounts on premiums for pets with microchips.

Be wise and sterilize.

The cost of your insurance will also be lower if you have your pet spayed or neutered. Animals that have been sterilized are at a lower risk of contracting various diseases than animals that have not been sterilized.

Buy more pets

Even if you have different species of pets, you can save money by insuring them with the same provider. Multi-pet policies are often offered at a discount of 5-10% by insurers. They will also let you add more pets to your existing policies.

Insure early on

When your pet is young and healthy, you should insure them! You will have to disclose this information to the insurance company if you wait until they are older and have suffered from illness or injury.


Pet Travel Scheme (PETS) makes it easier than ever before to travel abroad with your pet, but even our furry friends need holiday insurance in case of an emergency…

Going overseas…

In some policies, overseas pet travel is included as a standard feature, but in others, you must add an additional clause.

Long haul vs short haul

Certain destinations may also be restricted by your insurance provider. You should check your policy if you’re travelling outside the EU, as some policies only cover vet fees in EU countries.

Pet passports

Especially if you travel frequently, you should also have cover for your pet’s passport if you will be taking them abroad. You will have to pay a lot of money if you lose your pet’s passport. PETS passports cost between £150-£250, and your pet may have to stay in a kennel or cattery, as well as undergo additional health tests and vaccinations before returning to the UK.

What do you think?

Written by Blog Magazine

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