Most pet owners underestimate the time and expense that having a sick or injured pet can have on their lives as costs for vets are expected to continue to rise by 20% over the next couple of years. An estimated 40% of the cost of owning a dog goes directly towards unexpected visits to the veterinary office and only 12% of the UK’s 13 million dog owners insure their pets.
Defaqto, a financial research company based in the UK, claims that pet insurance offers often sound to complex to many pet owners and prevents them from buying insurance for their beloved pet. A cat’s average life span is 14 to 15 years and its care can cost as much as £9,500 in its lifetime. A dog lives for an average of 13 years and costs the responsible owner between £500 and £1,000 a year.
Many pet owners are already paying a small fortune for their cat’s care and may be reluctant to purchase insurance, especially when annual premiums can be as high as £200 for those living in London, for example. All types of insurances can be confusing. Some will allow you to claim for the same condition repeatedly, but there will be a limit on the total amount you can claim for each year. Others will only allow you to claim once for each condition. In order to save you endless research, we have collected the most important aspects of a good pet insurance.
Pet insurance should cover vets costs, treatment for long-term conditions, death by illness, death by accident, expenses for stolen or lost pets, as well as liability.
Bear in mind that the cheapest pet insurance may not necessarily be the best pet insurance since it may not cover claims likely to arise for your pet’s particular conditions and circumstances.
Liability insurance comes in handy if a motorist crashes his car into a fence to avoid running over your dog that got loose, so you could be covered for the expensive repair bill for the car - and the fence.
If your dog attacks the delivery man and you end up in court, many policies offer useful legal advice and cover for legal fees. Legal liability for your dog is required by law if your dog is covered by the Dangerous Dogs Act.
Many insurances will pay for costs for advertising and a reward if your animal is lost, to varying degrees. Some insurers will pay the purchase price of your pet if it dies or is stolen.
Pet insurance is there to cover you for the unexpected. That means the routine treatments such as vaccinations, boosters, wormers, nail clipping, spraying and neutering, behavioral problems, routine dental work, will not be covered.
Pet Insurances can vary in fees based on the type of animal as well as the size and in some cases, the pedigree. Higher priced breeds may cost more to insure with some companies. Premiums may also depend on your location because vets’ bills tend to be higher in cities especially London.
So do yourself and your pets a favor by insuring them. Their lives may depend on it!
——————————————————————————–
The Stoneways Insurance Services offers you and your pet(s) the following coverage:
1. Death from injury or illness or loss by theft or straying: pays the sum insured or market value whichever is less following loss by death or euthanasia.
2. Vet’s Fees: pays towards the cost of treating illness or injury by your attending vet. The limits will be shown on your certificate. Cover is provided for 12 months from the date of accident or date of illness or disease manifesting itself up to but not exceeding the policy limit.
3. Third Party Liability applicable to dogs only: pays for compensation for damage done by your dog to people or property for which you are found legally liable subject to £1 million limit. Cover includes costs and expenses incurred in defending a claim subject to insurers written approval.
Visit out website for more information at: http://www.stoneways.uk.com/
Fatal error: Call to undefined function similar_posts() in /xen/home/blogs/furrylens.co.uk/html/wp-content/themes/theme77/single.php on line 20