Park Home Resident Magazine - Page 32



Pet Insurance
GUIDE
What is included?
Like all insurance, pet insurance
is there to help with unexpected
events and costs. Typically, it is
used to pay vet bills should the
worst happen. It does not cover
vaccinations, neutering, worming
and flea and tick treatments,
however some vets do have over £7 per month on the popular
“clubs” that you can join to spread comparison sites we saw these
or reduce these expected costs.
rates start to increase with the
There are limitations to all policies highest price brackets offering up
and you need to look at each to £15,000 cover per year.
provider carefully. Some policies
long will they
have limitations on how much they How
will pay out, how long they will support treatment?
cover your animal and exclusions
This is an important thing to look
depending on your pets age.
for once you get to mid-range
You’ll notice polices are
How much does it cost? policies.
either described “Time Limited” or
The cost varies on the type of “Lifetime.” Typically, Time Limited
cover you require. For instance, we policies offer cover on a condition
looked at costs for a one-year old for 12 months, after that time, or if
Labrador Retriever and found that you’ve reached the maximum paypolicy costs vary from as little as £3 out figure on the policy, the support
a month for accident only policies will stop, and the condition will not
up to £40 for a high value lifetime be covered at renewal.
policy.
A lifetime policy will support your
pet for as long as your pet has the
How much could I get
condition if you stay with the policy
provider. There will be a maximum
towards bills?
pay-out on each condition, so
The cheapest policies offer about
you may have to pay something
£3000 of cover for accidents or
yourself if treatment exceeds this
£500 cover per condition for vet
value. Once you renew each year,
bills. Once we looked at policies
this figure will reset so you will be
able to claim again the following
year if you stay with that insurer.
dog causes an injury, accident
or damage. It doesn’t cover you,
your family or employees but does
include members of the public.
What else is included?
In most policies except the very
entry-level ones you’ll often find
cover for the loss or death of your
pet as well as emergency boarding
fees, holiday cancellation and
travel cover. Read the small print
if these are important to you but
keep focused on the main features
of the insurance policy.
Tips on choosing a policy
Use an online comparison site
but make sure you click through
and read the policy summary
carefully before purchasing.
Don’t choose a policy based on
free gifts.
If you don’t have access to an
online site, then get at least
three quotes.
Useful Websites
www.gocompare.com
www.moneysavingexpert.com
Liability Cover?
www.comparethemarket.com
This section of a policy covers your www.moneysupermarket.com
What is Third Party
legal liability. For example, if your
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