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Dog Insurance UK - Advice And Information

The well being of your dog will naturally be of paramount importance for you and dog insurance can certainly play a big part in helping to ensure a healthy and happy life for your pet. With no free National Health Service for dogs, insurance really is the only way to be sure of avoiding huge medical bills. There is, however, more to insurance than just medical cover, and of course no insurance policy will cover absolutely everything, so it pays to give some thought to this subject before putting a policy in place.

Pet insurance is a huge industry, so there are a great many companies and policies to choose from when it comes to finding the best dog insurance cover for your beloved pet. It is worth understanding a bit about what you should expect form a dog insurance policy before you choose an insurer. Dog insurance companies tend to offer policies covering many things, but there are also some important variations that you need to be aware of.

What To Expect From On Line Pet Insurance Cover

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The most basic things you should be looking for with any pet insurance policy is paying for veterinary fees for any illness or accident, the cost of using a kennel if you are unable to look after your dog through your own illness or accident and third party liability in case your dog causes injury to anyone or damage to anyone else's property. The third party insurance is particularly important as you never know what will happen, and if you are the subject of a legal claim for compensation and legal costs, these can be very substantial.

Many insurers will also provide cover for the cost of placing adverts and offering a reward if your dog is lost or stolen. An additional extra that some policies will include is cover for the use of alternative therapies, such as herbal medicines, acupuncture and homeopathy. Depending on who you insure with, this may be included under your standard cover for vets fees, leaving you free to choose whether to use the cover for a conventional vet or spend it on alternative therapies. On other policies it may be part of a separate section with its own financial limit. A further optional extra offered under some policies is for dealing with any behavioural problems that your dog may develop.

Important Facts About Cover For Vet Bills

Having dog insurance in place does not automatically mean that you will be fully reimbursed for any vet bills that you need to pay. You need to check your policy carefully to understand what is and what is not covered. One thing you can be sure the company will not pay out for is any cost related to a pre existing medical condition. In other words, if it is known that your dog has any medical problem before you take out the insurance, any cost related to treating that problem will not be covered by your policy. This is a fairly standard arrangement, though your insurer may spell this out as an exception when you take out your policy.

The other type of vet bill that you will not be able to claim for is non-illness related treatments such as neutering or spaying. Clearly these are routine operations and do not relate to your dog becoming ill as such. However, if one of these treatments is necessary for medical reasons, then you may in fact be covered.

There are different types of cover available for veterinary fees, and you need to think about what type of cover you require. Some quite serious illnesses such as diabetes, arthritis and heart problems are of an ongoing nature, so the treatment and its cost could go on for years. Any cover will have some sort of financial limit, but some will only cover you for a set period such as up to a year for any one condition. This is of limited use for such ongoing illnesses, so this does need consideration when choosing the type of cover you go for.

The main options tend to be as follows:

Other Factors Affecting Cost

Like any other kind of insurance, the cost of cover for your pet will depend on many risk factors and likely costs that the insurers will consider when working out your premiums. In the same way that car insurance will vary depending on where you live and the type of car you drive, the cost of your dog insurance will in part depend on certain factors that affect costs and claims.

The breed of your dog is one thing that can have an impact on your insurance costs. This is because certain breeds are known to on average result in higher veterinary fees. Some of the breeds most likely to carry a higher cost include Old English Sheepdogs, Great Danes, Mastiffs, Bulldogs and Irish Wolfhounds.

Another factor that may result in a higher or lower premium is where you live. This is usually just because veterinary fees vary from one part of the country to another, and this has to be reflected in what you pay. There are sometimes ways you can get reductions on the cost of your dog insurance, including agreeing to pay by direct debit, insuring several pets at the same time and, with some insurers, being a senior citizen.

A very simple way to get an often substantial discount is to purchase your pet insurance on line. Some insurers give surprisingly large discounts for doing this, so it is well worth shopping around online.

Recommendations For The Best Dog Insurance Companies:

Top Recommendation - Pet Protect

Pet Protect provide lifetime cover, which is very valuable as it means you can go on claiming for as long as the condition lasts. They have been helping pets in the UK for over twenty five years and offer two levels of cover. They provide from £4,000 up to £6,000 of cover for vet fees and up to £2,000,000 in liability cover. Importantly, this includes cover for hereditary and congenital diseases, which many policies exlude.

Just complete the Online Form on the Pet Protect Website to find out what lifetime cover would cost for your pet.

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