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Saturday, November 18, 2006

Why Should You Insure Your Pet?

By: Peter Kenny
One type of insurance that many people overlook is pet insurance. With pets often loved as part of the family and vet’s bills being extremely expensive, it really does make sense to insure your pet. Here are some reasons why you should get pet insurance, and things to look out for when choosing insurance for your pet:

Vet bills expensive

One of the main reasons to get pet insurance is the fact that vet bills are extremely expensive. If you pet becomes severely ill it could cost hundreds or even thousands to carry out an operation. Even simple things such as regular check ups or vaccinations cost money, so you could save yourself a lot with pet insurance.


Another reason to get pet insurance is to cover yourself for liability. Animals can be unpredictable, and something as simple as your dog running out into the road could cause a car crash and leave you facing a lawsuit for damages. Getting pet insurance will cover you for liability should your pet cause any trouble.

Peace of mind

Just as with human medical insurance, pet insurance gives owners the peace of mind that should anything happen to their pet they will have the money to try and put it right. You don’t want to be left in a situation where you can’t pay the vet bills and the only option is to put your animal to sleep. Having pet insurance will stop this sort of situation from occurring.

What are the costs?

With vet bills being so expensive you might think that insuring your pet would be expensive too. However, insuring animals is becoming cheaper and cheaper, with prices for dogs starting at as little as £7 per month. Obviously the price varies depending on the breed and level of cover you want, but prices really are affordable nowadays.

What do you get?

Depending on the policy you have, your pet is covered for a variety of things. Generally you will get a few thousand pounds of vet bills covered, around £2 million in liability cover should your animal hurt anyone or cause an accident, and a few hundred pounds in death benefit.

Things to look out for

Apart from the standard cover, there are a number of things you should look out for when buying cover for your pet. Obviously you want adequate financial cover at a good price, but what else? Well, lifelong cover is something you should look at, as is cover for advertising a lost or stolen pet. As your pet gets older they are likely to be more prone to illness, so lifelong cover is important. If your animal is lost you want to be able to get them back as quickly as possible so having the costs covered for putting up adverts can really help. If you shop around for the right deal you can get a comprehensive pet insurance package for very little money.

Peter Kenny is a writer for
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