Pet Insurance

What is Pet Insurance for?

There are two kinds of pet insurance:
• Life-long Pet Insurance – it will pay out for specific conditions for the life of your pet; and

• Time-limited Pet Insurance – it will only pay out for 12 months per condition.

Policies vary, but in addition to an agreed maximum payout for a vet's bills and drugs, some will pay for you to advertise if your pet has been lost; or for kennel/cattery fees if you suddenly have to go into hospital; and, in some cases, the cost of making good damage caused by your pet.

What isn't covered in Pet Insurance?

Generally, the routine maintenance items such as annual vaccinations, boosters and nail clipping, as well as spaying and neutering.

Keeping costs down for Pet Insurance

As with most insurance, the higher the excess (the amount of the claim that you agree to pay yourself), the lower the premiums. Make sure you disclose any key relevant information. Shop around and always compare what's covered by a policy, not just the price. Some might be cheaper than others, but they may not offer the same level of protection.

Important tips for Pet Insurance

1. Read the paperwork and ask questions if you don't understand anything.

2. Make sure you check what you're covered or not covered for.

3. Shop around when it comes to renewal time to make sure you're getting the best deal.

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