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What sort of policy should you buy?

When it comes to insuring your pet, what type of cover is really required these days? It’s a given that sooner or later your pet is going to need to see the vet, but even a decent insurance policy may not cover certain medical expenses. So which policy, then, will ensure a pay-out should something unforeseen happen? Generally, owners have four main types of cover to choose from, ranging from the basic to the much more expensive. All of these policies cover the cost of treating illness and injury, but, once again, may not include an unexpected event such as death or theft.

Accident Only

This very basic policy means a pet can receive treatment having suffered an accident, but is not covered if they have an illness. Some policies may also include a time limit, leaving a potentially small window of opportunity before the owner is saddled with the entire bill.

Per condition
(1) With a time limit - Another basic policy (one of the cheapest, in fact) this will cover illness and accident, but only for 12 months after your animal receives a diagnosis. It’s also designed so that –should treatment reach a certain level of expenditure- the owner has to pay the remainder out of their own pocket.

(2) With no time limit - This is mid-level cover, and although the treatment can go on for as long as it needs to, the policy will only pay out a certain amount. An obvious drawback, then, is that an ongoing illness or re-occurring injury may not be covered by this particular policy.


This most comprehensive of all policies is, unsurprisingly, the most expensive. Basically, though, this is the only policy that is likely to include extras like burial fees or trips to the dentist. It should also include cover for advertising should your pet go missing, and the price of a kennel or cattery should you go abroad.

Ultimately, choosing the right pet insurance policy is dependent on various different factors; where you live, for example, or your pet’s age. It is, however, fair to say that not insuring your pet leaves you at risk of paying much more in the long run, and, as such, some form of cover is recommended.

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