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Pet Health Insurance
Why do pets need health insurance?
Veterinary medicine has progressed in recent years, and nowadays most of the investigative procedures and treatment options available for humans are also available for pets. Whilst it is reassuring to know that modern equipment, highly trained staff, advanced treatment and complex surgical procedures are available for our pets, it is undoubtedly the case that costs of sophisticated diagnostic tests, medication and surgery can soon mount up, especially if referral to a specialist centre proves necessary.
A pet health insurance policy which has been carefully chosen to given levels of cover appropriate to your pet and your needs will give you peace of mind, allowing you to concentrate on looking after your pet should the need for veterinary care arise.
What is covered?
Pet insurance covers the cost of treatment of a non-preventative nature, whether for something fairly routine such as an upset tummy or something more serious such as broken leg.
The policy holder has to pay an initial excess for each condition claimed for, and the amount of this excess can vary widely between different policies.
What is not covered?
Preventative health care measures such as vaccination, worming, flea control, neutering and routine dental care are not covered by pet health insurance. Many pet insurance policies only cover vaccinated pets.
Which is the best pet health insurance policy?
Policies can differ widely. It is very important that you read the small print as this can make a significant difference to what can be claimed for. When purchasing an insurance policy, you should look at a number of points, including the level of cover provided, at what point the cover starts after the policy is purchased, the amount of excess to pay per claim and what is excluded from the cover.
It is therefore worthwhile shopping around and comparing various companies and policies. The best policy for you will be one that you can afford but which hopefully included everything you need for your pet.