Types of Pets and their insurance:
While looking out for insurance for pets it is an essential to look at what pet you are possessing. Insurance for conventional pets like cats and dogs are easily up for grabs while that for smaller mammals, such as gerbils, hamsters and rabbits insurance is available, but owing to shorter lifespans are of debatable value. In case of exotic pets like parrots, lizards and snakes it is even more difficult to get insurance as there are not many companies rendering such service. However, since these pets are unusual in the sense that not many people tend to buy and keep them at home, it is worth looking into the costs of covering them.
Coverage of Pet Insurance
It is of utmost importance to read the fine print of the policy before one finally signs on the dotted line because like so many other policies pet insurance policies also vary to a large extent.
- Loss and Theft:
Besides the veterinary bills, pet insurance can cover loss and theft of the pet (£300) in which you must ensure that it covers the pet’s purchase price. Proof may be required in this regard or lest the insurer would simply pay the then ‘market value’. The insurance company may also bear the cost of advertising on your behalf for the lost pet along with the cost of a reward (£250) for its recovery. Again in some policies, there are provisions for replacement of your pet if they are not found.
- Behavioural Problems:
For treatment of behavioural problems it is desirable to have a good policy cover (£500) or more because the treatment needs to be carried out by a professional organisation or under the supervision of a vet.
As regards to death by illness or injury, the purchase price of the pet should be covered. It may well be necessary to certify the cause of death from a vet. Keeping in mind your pet might have to be put down a good policy must also have cover for euthanasia.
- Liability Cover
Liability cover applies only for dogs in a scenario when your dog is found to be legally responsible for any injury sustained to someone or damage of any property. Although, cover is generally for £1 million or more, but it will only cover the cost the insurer has agreed to. However, most insurance companies specify not to admit the liability as The Dogs Trust will provide you with third party cover as part of their membership.
- Cattery & Kennel fees
Insurance policies also cover cattery and kennel fees and emergency treatment if you need to visit hospital for 4 days at a stretch.
- Emergency Treatment
Emergency treatment is also covered in many insurance policies and it applies if your dog needs treatment when travelling abroad.
The primary reason why people usually opt for a pet insurance is to do away with the unexpected expenditure on vet bills. From general vet costs including accidents, illness and injuries to hereditary and congenial conditions veterinary bills also cover long term and ongoing conditions normally only if one has a lifetime policy.
The individual policy needs to be checked to find out the coverage in this area. Some pet insurance policies also cover dental care but due to illness, accident or injury mainly and not for cosmetic work. If recommended by the veterinary doctor alternative mode of treatment like homeopathy, acupuncture and physiotherapy can also be brought under cover of insurance. Matters relating to breeding can also be brought under insurance coverage and it is recommended to do so particularly if you are planning your pet for breeding.