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If
you own a pet, they will, at some time in their
lives have to go to a vets. Pets, unlike humans
do not have an NHS service and are totally dependent
on their owners to look after their well being.
The costs of vets’ fees have been on the
increase by 11 per cent a year as medical advances
occur which keep your pet healthier and happier
for longer. |
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INFORMATION ON PET INSURANCE :
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1.
Great value - |
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Paying
for your pet does not have to be expensive. Most
insurers will allow you to pay your premium in
affordable monthly payments or as an annual policy.
Monthly premiums can start as little as £5.25
for a cat, £9.25 for a dog and £4.25
for a rabbit, dependent on their age, the policy
type and the insurer you decide on.
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2.
Ask the experts - |
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The
RSPCA(The Royal Society for the Prevention of
Cruelty of Animals) estimates that 40 per cent
of the cost of owning a dog or a cat lies in unforeseen
vets fees. Our four legged friends are often prone
to getting into scraps and scrapes as well as
being susceptible to the problems and illnesses
we are all too common with diabetes, skin disorders,
kidney problems. In fact, estimates show that
one in three animals owners will claim on their
insurance every twelve months.
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3. Reduce Your Premium - |
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You can significantly reduce your premium if
you insure you pet from a young age. Dependent
on your insurer, once your pet has had a condition
for which they have been successfully treated
your pet will be covered for life as long as
you renew your policy each year. The new premium
will not be affected by the claim you have made
either, so the cost of your pet insurance should
not rise year on year. Discounts are sometimes
available on policies if you are insuring more
than one pet. It’s also worth finding
out whether there is any reduction in premium
for pensioners.
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What Does Pet Insurance Cover? |
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Pet insurance covers pet owners against the
cost of vets' fees and can help ease the cost
of caring for an animal when problems strike
- taking money worries out of the equation when
accidents or illnesses happen. The premium you
decide to pay will determine the level of cover
your pet will receive, should it require a vet.
Insurance for pets should include cover for
Dogs, Cats, Rabbits, Horses, Hamsters, and Birds.
You should also be able to get insurance for
exotic animals such as reptiles, snakes, fish
and birds, although you may need to find a specialist
insurer for this. The major animal charities
in the UK consider pet insurance to be an integral
part of responsible pet ownership. But how do
you know that you have chosen the right policy?
Why not ask a vet? After all, they deal with
all the insurers. In a recent survey, 94% of
vets who responded said that they were happy
to recommend an insurer based on their experiences.
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Examples of the Type of Cover
Available : |
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The level of cover shown will vary between
each insurer and the premium you pay. You need
to check individual policy details for confirmation
of your specific cover.
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1. Injury or Illness: Up to
£6000 worth of cover for each and every
injury or illness. This covers the cost of consultations,
x-rays, surgery, medication - even alternative
therapies such as acupuncture and homeopathy.
What's more, your pet's covered for as long
as they need treatment (many other policies
limit you to just the first 12 months of treatment).
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2. Boarding
Fees: Up to £600 in boarding fees
if you are hospitalised for more than 4 days. |
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3. Death: Up to £600
towards the purchase price of your pet if they
die of an illness before reaching 11 years old.
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4. Lost or Stolen:
Up to £600 towards the purchase price
of your pet if they go missing, are stolen or
killed in an accident.
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5. Liability and Accidental Damage:
Up to £1million public liability and accidental
damage if your pet causes an accident or damages
someone's property.
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6. Holiday
cancellation: If your pet requires emergency
service with 14 days of departure.
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7. Transport
costs: If your pet is referred to another
veterinary practice. |
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8. Personal
Accident: If you have to take time off
work after being bittern by your pet. |
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