Sarah-Jane White If you’re a pet owner, you know that your pets are more than just animals—they’re a family member. And, just like any other family member, you want to ensure they’re always healthy and happy. That’s where pet insurance comes in.
Pet insurance is a type of insurance that helps cover the cost of your pet’s medical care. It’s similar to human health insurance in that it can also be tailored to help you pay for things like vet visits, vaccinations, and prescriptions. However, pet insurance also has some unique benefits that make it worth considering for any pet owner.
There are a lot of different pet insurance companies out there, so it’s important to do your research to find the one that’s right for you and your pet. But if you’re on the fence about whether or not pet insurance is right for you, here are 6 reasons to consider it.
1. Peace of Mind
One of the most significant advantages of comprehensive pet insurance is peace of mind. When you have insurance, you know you’ll be able to afford your pet’s veterinary care. This can help you relax and enjoy your time with your pet without worrying about how you’ll pay for their care if something goes wrong.
Pets are family members; just like people, they can get sick or injured. When this happens, it’s important to be able to provide them with the best possible care. However, veterinary treatments can be expensive, and not all pet owners have the financial resources to cover the cost of unexpected vet bills. This is where pet insurance comes in. Pet insurance is designed to ease the financial burden by helping to cover the cost of medical care for your pet.
It’s important to choose a policy that fits your budget and provides the coverage you need for your animal. Various policies are available, so it’s important to do your research to find one that fits your needs and budget. British Pet Insurance has a great range of policies, here are some:
- Cats
- Dogs (Find dog insurance policies here)
- Horses
- Parrots
- Exotics
2. Access to Better Veterinarians
Another advantage of pet insurance is that it can help you provide better veterinary care for your pet. Without insurance, many people are forced to skimp on their pet’s medical care because they simply can’t afford it. However, with pet insurance, you can get your pet the best possible care without worrying about the cost. This means that, with pet insurance, you’ll be able to take your pet to the best vet for their issues—something that can make a big difference in their overall health and well-being, especially if you need access to an expert in a particular field.
3. Cover for Routine Care (Very Important and Can Be Expensive)
Just like humans, animals need routine care to stay healthy. This includes things like annual check-ups, vaccinations, and dental cleanings. Depending on your animal type, these costs can add up quickly.
For example, the average cost of an annual wellness exam for a dog or cat is £48, while the average cost of a yearly wellness exam for a parrot can be £100. And that’s not including the cost of vaccinations or other routine treatments like deworming or flea/tick prevention.
Check with your insurer whether this is on your current plan as it can often be added as an optional extra if you’d like it and are not currently covered.
4. Emergency Cover for Unexpected Bills
No matter how careful you are, accidents happen. And when they happen to our pet friends, they can be expensive. No one likes getting surprise medical bills, and pet owners are no exception. According to a recent survey, 68% of dog owners say they were worried about how they could afford to care for their dog.
The average cost of treating a broken bone in a dog is £1,500, while the average cost of treating cancer in a cat is £4,000.
Pet insurance policies typically cover accidental injuries like broken bones as well as illnesses like cancer and diabetes. So if your pet has an accident or gets sick, you won’t have to worry about shouldering the entire financial burden yourself. And while you’ll still have to pay your monthly premiums, most policies have a deductible, called an excess, that you’ll need to meet before the coverage kicks in. I had to take Dolly to our Norfolk equivalent of the ‘Supervet’ for her emergency surgery. The bill was over £7,000.
5. Help If Your Pet Is Lost or Stolen
If your pet is lost or stolen, the insurance company will reimburse you for the price you paid for your pet. Although this won’t ever replace the emotional loss, it can help offset some of the costs associated with finding a lost pet. Additionally, if your pet is found or recovered, the insurance company may also pay for advertising a reward and the cost of the reward itself. This can help encourage people to return your lost pet and for you to be reunited.
Check with your insurer whether this is on your current plan as it can often be added as an optional extra if you’d like it and are not currently covered.
6. Third-Party Liability
Many pet owners are unaware that their pet insurance policy may offer third-party liability cover in the event that their pet injures someone or damages someone else’s property. This cover can provide peace of mind in the event of an accident, and it can also help to protect your finances if you are held liable for any damages. This can be particularly important if you have a dog or a horse.
However, not all pet insurance policies offer this type of cover, so it is worth checking the terms and conditions of your policy before assuming that you are covered. If you are still determining whether your policy offers this cover or if you would like to add it to your policy, we recommend speaking to your insurer for further information.
They also provide pet business insurance, including cover for groomers, dog walkers, and pet taxis.
So, Will You Get Pet Insurance?
As a pet owner, it’s essential to do what’s best for your furry friend, including ensuring they’re protected in an emergency. Pet insurance is one way to do that by helping cover the cost of veterinary care if your animal companion becomes ill or injured unexpectedly. There are a lot of different policies out there, so be sure to do your research before choosing one.
Having pet insurance gives you peace of mind knowing that your beloved animal companion will be taken care of if something happens to them. And isn’t that worth its weight in gold?
.This article was originally published on www.rufflesnuffle.co.uk. If it is published on any other site then it is without the permission of the copyright owner.
