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Pet Insurance Guide

There are a few things to consider when you’re looking for cover for your pet. Think about which vet you use, the health of your pet and what level of premium you’re willing to pay. These are explained in more detail below;

Does your vet accept claims with the provider?

This is probably the number one consideration with pet insurance. If you have a vet you regularly use, or one in the nearby area, you need to know that your insurance provider will be accepted there and you won’t have to travel to a different vet, who might be further away. Even the best deal available won’t help you if you can’t use your own vet.

What your pet is likely to need cover for

Think about your pet’s situation. You’ll need to weigh up how likely they are to need expensive vet treatment. This is worth considering when choosing what level of excess you’re willing to pay. Lower premiums can be handy if your pet isn’t likely to be involved in an accident, but it’s not the best idea if they are frequently outside or more likely to need vet care for some reason.

Consider what risks you’re willing to take before speaking to any providers, because there is a high chance any policy will include a long list of extras you might never need. If your cat isn’t running around beside the highway everyday, and lives indoors, is he really likely to get hit by a car, attacked or otherwise badly hurt?

Life stage

The stage of life your pet is at matters too. For example a young kitten is at risk of contracting certain diseases between vaccinations, and can more easily break a bone or suffer damage from a fall.   As the kitten grows up though, they develop immunity and are more robust.

That will change when the cat gets past eight or so years old, risk of contracting a number of diseases and other problems increases again. An older cat is more likely to need medication, surgery and standard treatment, not just in case of emergencies.

Only stay with a free trial period if you are happy with the insurance provider

Pet insurance providers often have the option of a 30-day trial period, especially when you get a new puppy or kitten. It’s important to check what else is available during that time and cancel the policy if you aren’t happy. Don’t start paying for something you haven’t yet agreed to.