What Is Covered By Pet Insurance
You will usually be given a choice of how extensive you want your pet insurance to be. As with other types of insurance you will pay more for more extensive cover and visa versa. Make sure you shop around to get the amount of cover you want at a price to suit you.
Most health insurance policies for animals start when they are around 6-8 weeks old.
Some insurance companies may refuse to insure your pet, or charge a premium in certain circumstances. For example, when trying to insure an older pet for the first time, or one that has pre-existing conditions or breed-related problems. Cosmetic procedures, special diets, behavioural problems, and breeding are generally not covered by pet health care insurance.
Be sure to examine a policy closely to make sure that you understand what you are buying and call the pet insurance company to clarify any questions you may have before you buy.
The kind of things that pet insurance can cover include:
- Veterinary fees - preventative and emergency care, shots, spaying, lab tests, X-rays, surgery, hospitalization.
- Third party liability & legal costs.
- Your Hospitalisation.
- Holiday cancellation.
- Finding your pet.
- Loss of your pet by theft or straying.
- Accidental death of your pet.
