Well all know that the cost of keeping a pet includes vaccinations and boosters, checkups etc., and that this can cost hundreds of pounds per year.
But did you know that the cost of surgery can run into thousands of pounds? Would you be able to foot the bill for major surgery should your pet fall ill, or the cost of a claim against you if your dogs runs out into the road causing a road traffic accoident? Pet insurance can usually be purchased for under £10 per pet (obviously a horse will cost more than a cat!) and can give you the piece of mind that you are covered against unexpected bills.
Many major insurers now offer pet insurance as part of their portfolio of insurance products. You can even get pet insurance from your supermarket chain these days!
So what does pet insurance actually cover?
There may be more things related to your pet that you need to cover than you would think.
What if your pet became very ill or even passed away just before you were to go on holiday. It would probably be too late to cancel your holiday and receive a refund. Some pet insurance policies will cover loss due to holiday cancellation/curtailment
Hospitalisation of owner
If the pet owner is hospitalised, some insurance policies will cover boarding costs if you have to go into hospital for more than a certain number of days.
Theft or straying
If your pet is stolen or gets lost, your policy may cover the costs for advertising and a reward.
Accidental death/loss of pet
If you lose your pet through theft, straying or death through accidental injury your policy may reimburse the cost of the pet.
Third Party Liability
Many people don't realise that the pet owner could become liable should their pet cause injury to a third party or damage to their property (this may only be applicable to dogs though). Legal liability insurance within the pet insurance could cover this liability.
You may need extra
cover should your pet travel with you abroad (assuming that your pet is
legally entitled to travel with you).
How do I get cheap pet insurance?
There are many places where you can get your pet insurance these days. From the supermarkets who have entered the pet insurance arena to the established insurers who offer pet protection as part of their portfolio of insurance products.
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