PDSA Tips on How to Choose Pet Insurance

Unfortunately, it’s not uncommon for our pets to get sick or injured and if you’re not prepared, the vet bills can quickly add up.

The 2022 PDSA Animal Welfare (PAW) report found that 61% of cats and 39% of dogs in the UK are uninsured, showing that many pets may not be covered for all eventualities.

PDSA Veterinary Nurse Nina Downing says: “We all do our best to keep our furry family members happy and healthy, but sometimes factors beyond our control can cause discomfort. Our latest PAW report revealed that almost a third of cat owners worry about how they will pay for medical bills if their cat becomes ill.

“In addition to staying on top of preventative health care, having coverage in place will avoid the added stress of a costly vet bill if your pet becomes ill. Pet insurance costs depend on the type and the level of coverage, the breed and age of the pet, and where you live.With many options on the market, it’s important to make sure you choose the right coverage for your family member furry.

“The cheapest policies are usually ‘accident only’ and only cover accidental injury claims up to a specified amount, so it’s important to remember that you’ll have to cover the costs if your pet becomes ill. , the most comprehensive lifetime coverage policies can be more expensive, but will insure your pet against all accidents and illnesses up to a certain financial limit each year.

“Whatever insurance you choose, always read the terms and conditions of the policy to make sure you choose the right insurance for you and your pet. Some companies do not insure certain breeds, while others may not offer coverage beyond a certain age. Find the best policy as soon as possible, as pre-existing illnesses and injuries are generally not covered. If you insure your pet when it’s young and healthy, most companies will continue to cover it at a later age, but be aware that the premium is likely to increase. Deductibles are paid in addition to your annual premium and, depending on the cover, can be a fixed price or a percentage of the claim. Your insurer may sometimes set a ‘mandatory deductible’ as well as a ‘voluntary deductible’ where you decide how much you will pay when making a claim. Opting for a policy with a higher deductible could reduce the cost of your annual premium, but make sure the cost is affordable.

“Most pet insurance doesn’t cover treatments such as flea and worm prevention, teeth maintenance, and neutering, so if these are features you want to include, consider that when making your pet insurance plan. exploring options.

“Ask your vet if you are unsure of cover. Visit pdsa.org.uk/insurance-guide.

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