The Ideal Money Pet Insurance Guide

Almost every other household in Britain has a pet, according to research by the Pet Food Manufacturers Association(PFMA). That makes it around 13 million households and a total population of some 65 million pets – if you include fish.

This large population of cherished animals needs looking after, of course, with the health and well-being of pets not only being a major concern of their owners but of the industry that supports them too.

Mindful of the costs that might be incurred in properly looking after your pet’s health, the British Veterinary Association (BVA) has published an impartial leaflet about the benefits of arranging pet insurance. As a profession the BVA lends its support to the use of insurance as a way of ensuring pets receive the best veterinary care the science can offer whenever it is needed.

Who might this product be suitable for?

Pet insurance is suitable, therefore, for anyone who shares the BVA’s concern to ensure that your animals receive the veterinary care they need.

Unfortunately, that care may be expensive – especially when the latest techniques and instruments are concerned – and many pet owners are unlikely to have recourse to the necessary funds when treatment is required.

For the pet lover concerned to ensure that their animal or animals receive the best of care when it is needed, there exists pet insurance.

What does it typically cover?

There are many different types of pet insurance, offering a range of safeguards and reassurances. This allows you to select the cover that may seem to be most suitable for you and your pet. Typically, pet insurance is likely to cover the following broad areas:

Veterinary fees – charged for the diagnosis and treatment of any injuries or illnesses contracted by your pet;

Liability – if your pet injures someone or damages their property, you might be sued for negligence. This element of third party liability cover is designed to indemnify you against such, potentially very expensive, claims;

Loss or death – if your pet is stolen, lost or dies before it reaches a certain age, some pet insurance policies may pay you the price at which you bought the animal;

Lost and found – if your pet gets lost, pet insurance may help you to meet the costs of advertising the fact and even possibly offering a reward for information; and

Your holidays – if you need to cancel a holiday because your pet is in need of unplanned, emergency surgery, pet insurance may help to reimburse the losses you have incurred through cancellation.

Is there anything I need to know?

Rather like your own private health plan, pet insurance typically excludes the cost of treatment or care relating to pre-existing injuries or medical conditions.

Pregnancies and attending births of pets’ offspring may also be excluded, together with preventative treatment routinely given to your breed of pet.

From the moment your pet insurance starts, there is typically a waiting period before you are able to make a claim. This may vary from one insurer to another but might commonly lie in the range of 10 to 30 days.

Also note that some policies provide cover per condition up to a limit, whereas others may provide cover for the life of the problem. The former are typically slightly cheaper than the latter, but as pets get older, note that some may need long term treatment and medications.


A huge number of people in this country have pets and the vast majority of them are committed to caring for their animals and ensuring that they receive appropriate treatment if and when they fall ill or are injured.

The problem is that veterinary bills may prove expensive – and there is little sign of their becoming any cheaper. Pet insurance, therefore, is designed to take the headache and the heartache out of ensuring that your pet receives the veterinary care it needs.

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