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How does pet insurance work and protect me?

Date Added: November 18, 2011 10:24:12 AM
Category: Insurance directory

How does pet insurance work and protect me?

Dogs, cats, horses, mice, birds and hamsters can be very enjoyable pets. Some people have exotic pets such as parrots. As with all animals they need special daily care and also regular treatment. All this care costs money and can become very expensive as the animal gets older.

Whether you have a small or large pet you will need to consider pet insurance as a way of saving money if something goes wrong. You will need insurance to protect the pet against:

•    Illness
•    Major injury
•    Regular checkups
•    Theft
•    Treatment by a vet

You will need to go online on the internet or see your local insurance broker. In both cases, they will be able to short list the major policies which area available. Obtain a few quotes and make sure you understand the excess, if it applies. Also, check whether you will need to pay first and then send your bills to the pet insurance company.

Further, the claims procedure is another point to be considered and read it carefully.

Once you receive your pet policy, show it to your local VET and see if they accept it. The policy documents should be read carefully and placed in a safe place. The premiums can be paid by direct debit and this ensures that your pet will be covered.  Pet insurance exclusions should be read carefully and the following are normally the major exclusions which the insurance company will not pay for, that is:

•    Pre-existing medical conditions
•    Vaccinations
•    Worming

Cheap pet insurance policies will not protect your pet comprehensively. The high end policies will provide better protection but the premium will be higher. You will need to understand that there will be annual upper limits beyond which the insurance company will not pay.

The younger the pet, better to have the insurance policy early. The older the pets’ gets, pre-exiting medical problems will not be covered. Check with your vet and insurance broker before purchasing an expensive policy.

Adjust the excess to see if the premiums result in any additional savings.

Read the pet insurance term and conditions carefully and store the documents in an easy to find place.
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