When the furriest member of your family suffers an illness or injury it can be a really upsetting time. The last thing you want to worry about is being able to afford to give them the treatment they need. Pet insurance can be expensive, but you could end up paying out more in the long run if you don’t have it and your dog, cat, rabbit or horse needs medical care. By going through a broker, you can call on our expertise to find you the right level of cover at a price you can afford.
How much your pet insurance costs depends on the type of animal you are insuring, whether or not it’s classed as a pedigree, its medical history and its current health. There are also different types of policy offering different levels of cover, which all make a difference to the cost.
There are two main types of pet insurance – annual and lifetime policies. Annual policies tend to be cheaper, and can be useful if you only want cover to provide treatment, for example, for a specific one-off illness or accident. The policy lasts for 12 months and then expires. If your pet then needs longer-term treatment, it won’t be covered after the policy expires. So, you need to declare any pre-existing conditions when getting another policy. Pre-existing conditions are rarely covered under the standard terms of pet insurance policies.
Lifetime cover might be a safer option, particularly if you have a pet that may need ongoing treatment, or if you simply want the peace of mind of knowing that you’ll always have cover in place. Lifetime cover is renewed each year and will cover your pet for ongoing illnesses, including asthma, diabetes or arthritis. Because they provide more extensive cover, Lifetime policies are usually more expensive.
Why use an insurance broker, like Brady and Jones?
When you’re looking at choosing a pet insurance policy, it’s important to compare those available to see which suits your needs and budget by consulting one of our expert team.
The best pet insurance policy for you might not be the cheapest, but without the right cover, you could end up paying more if your pet does need medical care. How do you choose? One of our expert team will give you a run-down of all the different types of cover available. Then, you can ask us any other questions you might have, and pick the best option for you.