If your pet becomes ill or injured, having insurance that covers veterinarian care can help you meet the costs associated with treating them. Most insurance companies for pets will also pay out claims if your pet passes away, is lost or stolen, causes injury to another person, or causes property damage.
Which? Has researched and evaluated many best cheap pet insurance policies, and thousands of pet insurance policyholders have ranked the customer service provided by the industry’s most prominent insurers.
What Exactly Is Covered By Cheapest Pet Insurance?
Pet insurance policies cover the cost of veterinary care and other medical expenses. Coverage for veterinary costs can start as low as £1,000 and go as high as $15,000 per claim.
The majority of pet insurance policies include the following in addition to reimbursement for veterinary costs:
The Cause of Death Is Either An Accident Or Illness
In the unfortunate event that your pet passes away, you may be able to recoup most of the money you spent on it by selling it.
After a certain age, which is normally between eight and eleven years for a cat and between five and nine years for a dog, the majority of insurance policies for pets include an age restriction after which the insurers will not pay out, or you will be required to contribute to the costs.
Most pet insurance policies will contribute to the costs of putting up posters and offering a reward if your pet goes missing.
Liability is owed to a third party.
If you own a dog, the liability coverage on your homeowner’s insurance policy should pay up if your pet has an injury to another person or causes damage to their property. It accounts for the claimant’s expenses as well as legal charges and expenses.
Coverage for international travel
Most pet insurance policies will give coverage if your pet becomes unwell, gets involved in an accident, or requires veterinarian treatment when traveling outside the country. Suppose you are forced to cancel a vacation because your pet develops a life-threatening illness just before you depart. In that case, many insurance companies may reimburse you for lost travel and accommodation fees.
Cattery and kennel fees
If no one else can look after your pet while you are hospitalized, pet insurance companies will typically pay for your pet’s stay in a cattery or kennel if you are the only person caring for them. In most cases, you will need to check into the hospital and remain there for at least two to four days in a row. With the option of euthanasia, as well as cremation and burial, there is a possibility that your policy will include coverage for the expenditures associated with euthanizing, cremating, or burying your pet.
If your pet needs dental work, most insurance companies for pets will give coverage for those costs. Some dental insurance policies will only pay for necessary dental care due to an accident. Still, they will not cover any expenses that are incurred as a result of an illness. Those who do so often condition the coverage on the fact that your pet undergoes routine dental exams and cleanings every year.
What kinds of things does pet insurance coverage not cover?
The following is a list of typical exceptions that most pet insurance policies don’t cover. Make sure you give the terms and conditions of your insurance a close read to determine whether or not it provides the coverage you require.
A disease or damage that had already been present
A pre-existing medical issue is one that was already present before you purchased a policy for your pet with the insurance company. They can be divided into two different types:
Chronic conditions are continuing health issues your pet has when purchasing insurance coverage. Some examples of chronic conditions are heart conditions and hip dysplasia.
Conditions now considered “historic” include illnesses or injuries your pet is no longer affected by, such as injuries or illnesses that have been healed in the tissue.
Most companies that sell pet insurance do not include coverage for pre-existing conditions in new policies. However, in rare instances, you may cover pre-existing conditions if your pet hasn’t needed treatment for such conditions in a particular amount of time (for instance, two years).
Within the first 10–14 days of your pet’s coverage, most insurance providers will not pay for treating illnesses that have already manifested themselves. Certain businesses will not charge you this cost if you switch to them from another insurer. That prevents you from having a “gap” in your coverage during the transition.
Treatment that is both customary and preventative
Treatments including flea, worm, and tick procedures, grooming, claw clipping, and teeth upkeep are frequently not covered by pet insurance. Immunizations, spaying, and castration, as well as treatments for fleas, worms, and ticks, are included in these procedures.
References to being pregnant and having a baby
Some insurance policies for pets do not cover the costs involved with pregnancy, giving birth, or treating any children that may be born due to the pregnancy. It includes the costs of the pregnancy itself.
Is coverage for pre-existing conditions included in pet insurance policies?
Only a handful of pet insurance companies will consider providing coverage for pre-existing diseases.
Some policies will pay for treatment of pre-existing conditions, but only if your pet has been symptom- and treatment-free for a predetermined time (often between one and two years). Many of them only offer a limited amount of coverage initially, but that coverage will rise the longer it has been since your pet has been free of the ailment.
Others will potentially cover certain disorders that affect pets after going through a medical screening procedure that allows them to comprehend the risk in a manner comparable to how health and travel insurers operate.
The gender of your dog will have an impact on the premiums you pay. Since male dogs are more likely to get into fights or sustain injuries, insurance premiums for these pets tend to be higher. And because female dogs tend to bounce back from illness more quickly than males, they often have lower medical coverage expenditures.