A Guide To Pet Insurance

1. Read the Policy Wording

Do not take out insurance before reading the policy wording. Double-checking anything that is not clear with your insurance company and understanding the terms and conditions is important.

The policy documents of the insurance companies contain the definitions of important words. Read the documents carefully. Avoid assuming the meaning of some words based on earlier experience with another insurance company or the everyday use of these words.

Claiming anything that is not added to a certain set of terms is difficult once you agree to the set of terms.

2. Cover for Pre-Existing Conditions

Pets with pre-existing conditions are not covered by most UK insurance companies. Check the definition of existing conditions of insurance companies. A good scenario is a disease or injury and other related conditions experienced during the two years before you took out a policy. New policies almost do not cover chronic diseases.

If you want to cover your pet with a certain condition, then you might want to check if the insurance company covers that condition.

3. Check When Your Policy Kicks In

Pet insurance usually starts after the first 14 days of the policy. This is called the “waiting period” or “exclusion period.”

You can change your mind about the policy during the 14-day waiting period. However, you cannot claim during the first two weeks for a disease (insurers exclude claims for accidents for the first 48 hours).

Check with your insurance provider if your policy’s official start date is unclear.

4. They May Not Cover ‘Routine Treatment’

Many insurance companies do not cover various treatments, such as pregnancy-related issues, neutering, spaying, and vaccinations.

In fact, some insurance companies require you to pay for these treatments for your insurance to remain valid, so you will have to pay for them.

For insurance, you must vaccinate your dog against parvovirus, leptospirosis, hepatitis, and distemper to be insured with Petplan. And you must vaccinate your cat against feline leukemia, cat flu, and infectious enteritis.

Petplan can refuse your claim if you do not vaccinate your cat or dog against these and they develop related conditions.

5. What is the 12-month limit?

It is the period you are allowed to claim for a certain condition under the time-limited pet insurance policy.

How do the 12-limit works? If your dog suffers from cancer and your insurance company pays out after you make a claim for your dog, you can continue to make claims relating to cancer up to your vet fee limit or up to 12 months. Your insurance will exclude cancer from the policy once you reach 12 months from the claims, so you cannot make more claims relating to cancer.

Lifetime policies are offered by many insurance companies. Lifetime policies allow pet owners to claim for a condition throughout the life of their pet.

Many companies offer lifetime policies, which allow owners to claim for a condition throughout a pet’s life.

The vet fees are covered by the lifetime insurance up to the stated limit each year. It is an ideal option if you are worried that your pet might develop a recurring or long-term disease. Renewing your lifetime policy each year resets the full stated limits that you began with.

You should know that your insurance company can increase your premiums each time you renew your lifetime insurance.

It is much cheaper to pay for annual policies with 12-month limits than to pay lifetime policies. However, annual policies usually cost pet owners much more in the long run if they are paying for an excluded treatment.

6. Can I Need Dental Cover for My Pet?

Pet insurance policies do not always include dental cover as standard. Check whether dental care is an optional extra or is included before you purchase a policy, especially if your pet needs dental care.

The most comprehensive policies usually do not include treatment for dental disease. However, there is a cover for dental treatment in many policies if your pet has an accident.

There is a cover for dental illness and accidents as standard in the complete policies of Bought By Many.

Find out more about the insurance companies offering dental cover for pets.

7. The Age of Your Pet

Some pets cannot qualify for cover because there is a minimum and maximum age limit in many insurance companies. You can get an estimate from a vet if you are unsure about the age of your pet.

The minimum age requirements for dogs can only be a few weeks. However, the age limit varies between breeds and insurance companies. In general, getting cover for dogs over 7 years old can be tough.

If you don’t have pet insurance and find yourself in need of an instant loan to pay your vet bills take a look.

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