A pet dog is more than just an animal you keep in the house – to many people, they are a member of the family, almost like a naughty child, or excitable little brother – and unfortunately, like most curious folk, can find themselves in a situation both you and they would rather not be in. This is why you should always make sure the little terror is insured – they can’t do it themselves you see, they don’t have bank accounts.
Typical dog insurance will cover the items listed below – but always make sure you check the details of your policy as every company is different, and have their own exclusions and definitions – Moneysupermarket says “You should always check the small print on your policy for exclusions as some things aren’t covered, for example; the cost of treatment for any condition which occurred before the policy started, flea control, vaccinations or spaying and castration. There are also some types of dogs which cannot be insured, for example; racing dogs, guard dogs, working dogs or dogs registered under the Dangerous Dogs Act.”: Vet Fees Pretty self-explanatory – there isn’t an NHS for animals unfortunately, and should your dog fall ill the bills from the vets can be expensive if you’re not covered, for example, a heart attack could cost you thousands of pounds in treatment.
Death Benefit This is also quite simple – the cover will pay out a fixed amount on the death of the animal. Holiday Cancellation Should your dog be taken ill and require constant attention, and you have a holiday booked, what can you do? Lose hundreds of pounds on your holiday, or try to find somebody to look after them in your absence? With this cover you will be financially reimbursed for the cost of the holiday, allowing you to look after him or her. Boarding Fees But what happens if the opposite happens? What if you end up living in accommodation that doesn’t allow pets, or have to travel for an extended period of time? Your pet insurance will usually cover boarding fees up to a certain amount, meaning you can leave your pet behind without too many worries.
Theft/Straying Should anything happen to your dog and he isn’t seen again, the policy would pay out in this case… Advertising/Reward …But if you’re certain that he’s still out there somewhere, your insurance will cover you for money spent on advertising his loss and offering a reward. Third Party Your dog might not be a car, but this works in the same way as it does your car insurance:- i.e. should your pet cause damage to another’s property and they claim against you, the insurance will cover it. Most companies offer differing levels of cover – usually offering all of the above, but with increasing financial amounts of cover. Always carefully consider the cover most suitable to you, and shop around for the best price – moneysupermarket.com offers a detailed comparison of a large selection of pet insurance plans, allowing you to make the decision that is best for you.
The Importance of Dog Insurance courtesy Dog Articles.
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