What does pet insurance typically cover?
When you take out a pet insurance policy, some features come as standard. These include, but are not limited to, the following:
- Vet fees/medical treatments cover
- Kennel and cattery fees (should your pet need to stay for recovery)
- Liability cover
- Advertising costs and rewards
There are exceptions to what pet insurers will pay out for, so it’s important to check the small print when taking out a policy.
Exemptions usually include cover for routine check-ups, pre-existing medical conditions and behavioural problems.
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How much is pet insurance?
Pet insurance can cost as little as £30 a year, but the price you pay is determined by the policy type, the type and breed of your pet and how long you need cover for.
How to reduce the cost of pet insurance
Here are some money-saving tips to help bring down the cost of cover:
Keep your pet healthy: whether it’s feeding your pet a nutritional diet or keeping on top of its vaccinations, having a healthy pet will help lower your premiums. Our dedicated pet health page has lots of useful tips on how to keep your pet healthy.
Opt for a higher excess: your premium is likely to decrease if you’re willing to pay a higher excess on any claim you make. But keep the excess affordable in case you have to pay it.
Take out multi-pet cover: some insurers offer a discount of 5% - 10% if you insure more than one pet on a single policy.
Pay annually: paying for your policy upfront is usually cheaper as some insurers charge interest on monthly instalments.
It always pays to shop around for cover to see what policies and prices are best suited to your pet and your budget.
What do I need to run a pet insurance quote?
You’ll need to provide the following information so we can help you find you pet insurance quotes:
- Your pet’s age
- The breed or size of your pet
- The health of your pet (and if it has been neutered)
- How much you paid for your pet (if you bought it rather than adopting it)
- Your pet’s behavioural history
- Your pet’s medical history
Why compare quotes with MoneySuperMarket?
Before picking a pet insurance policy, it’s important to compare those available by using a site such as MoneySuperMarket.
Running a pet insurance comparison means you’ll be able to see personalised quotes for your pet to help you choose the right one for you.
The right pet insurance policy for you might not be the cheapest, as cheaper policies might not provide the full cover you need.
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