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Pet Insurance Tips
COMPARE THE PRICE Obviously, the cost of pet insurance is an important consideration. But different insurers have different ways of setting the price, so always get a quote for your specific circumstances to compare between insurers. CONSIDER THE EXCESS There are a number of ways some providers save themselves money when it comes to paying out claims. One of these is by including a high excess on their policies. The excess is the amount that you have to pay each time you have to claim for a certain condition, so choosing a cheaper product with a higher excess could actually end up costing you money. ARE YOU GETTING LIFELONG COVER You should check carefully what you are being offered by pet insurers and understand clearly what they mean by "lifelong cover". Understanding lifelong cover can be complicated, but here are a few simple guidelines on the types of cover generally available... Time capped cover Some plans (often at the cheaper end of the spectrum) will only cover a condition for the first year you claim. Example:If your pet developed arthritis, you might be able to claim up to £2,000 for the first year's treatment, but no more. You would then have to cover the cost of treatment every year yourself, for the rest of your pet's life. Financially capped cover Some insurers call their financially capped cover 'lifelong cover'. In this case, an insurer will pay out each year, but only up to a fixed total amount for each condition. After that, they will stop paying. Example:If your pet developed diabetes and you had a policy that was financially capped at £3,500, you may need to claim £2,000 in the first year. By year two, the amount you can claim for treatment of the diabetes is now just £1,500. After this, you would have to pay for the treatment for the rest of your pet's life. Lifelong cover The best pet insurance is cover that pays for treatment up to a certain amount, every year, for as long as your pet needs treatment. Example:If your pet were to develop epilepsy and your policy covers up to £3,000 every year, you could claim for treatment up to this limit each year for the rest of your pet's life. THINK ABOUT OTHER BENEFITS Although veterinary fee cover is the key element of pet insurance, most insurers offer a range of additional benefits. These can include cover for:
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