Did you know that exotic animal insurance is one of only two legally required insurances in the UK…of course its unlikely that many of us have exotic pets here in the UK but we should still think seriously about how we care for our other more fluffy friends, after all, a dog is for life not just for Christmas.
A new puppy will need to be neutered, micro chipped and vaccinated in the first few months of its life. After you’ve considered Veterinary care, training, bedding/toys, grooming, kennels and food costs can start to mount up. On top of all this you need to consider insurance as well.
What is usually covered with pet insurance?
Pretty much the same as your car insurance, accidents are but general maintenance isn’t, however always read your policy document so you know exactly what is covered.
- Broken bones/ injuries from accidents
- Many illnesses, from cancer to asthma, skin infections to bone diseases and arthritis
- Possibly the cost of overseas emergency vet treatment on a foreign trip or holiday
- The cost of advertising and a reward if you fall victim to dog/cat-napping
Not usually covered
- Routine injections – flu, tetanus, parvovirus, annual boosters. Plus check-ups
- Worming treatments
- Anti-flea medications
- Whelping costs
Third Party Cover
Becoming a member of The Dogs Trust means that you can get cover for up to £1million for any damage or injury caused to other people, their property or pets by your dog. By law dogs are not covered for public liability unless you have insurance, so if your dog causes a car accident and the driver sues you will be liable. Cats however are viewed as ‘free spirits’ so you as the owner are not liable for their actions.
Self insurance is an option with pets, whereby you can simply create a savings account and pay vets bills directly from that but to be honest not insuring your pet can be the difference between finding the cash for the medical fees or putting down a loved member of your family.
- Check your pet isn’t excluded (some dangerous breeds are)
- Make sure your pet isn’t too old to be insured
- Be aware that pedigree animals will cost more to insure
- Look at multi-pet policies to increase the savings
- Forget annual injections
- Forget about third party cover, it could cost you £1000’s
- Forget to find out about free vet treatment from organisations like PDSA
Thinking of taking your pet abroad? It is important to follow all the regulations or you may find your pet being quarantined or re-exported at your cost find out more about taking your pet abroad on the Heathrow Airport Guide.