Pet Insurance

Why You Should You Opt for Pet Insurance

Certain types of people should buy insurance for their pet, and others should not. The people who shouldn’t get pet insurance are those who just got a pet, say a dog, and are not sure it’s going to work out for them. They may not have the room, the time, or the money to keep their new pet.

Yes, these types of people shouldn’t get pet insurance, nor should they even get a pet in the first place. It’s not like buying a new chair and finding out it doesn’t work in your living room.

If you’re the type of person who treats your dog, cat or rabbit as a member of the family, then you should consider getting pet insurance. These days vet bills are just as expensive as medical care for humans which is understandable as the treatments offered are nearly the same . Dogs get diabetes, allergies, and a host of other ailments just like people do and if you love your pet, you will do whatever you can to ease their suffering.

Pet insurance can prevent you from going into debt should your pet develop a serious illness or become injured. Generally, the insurance provides for all reasonable treatment charges as long as the treatment is carried out by a vet with caps that limit the amount paid out per year. Even the basic cover provides for up to £2,700 annual cover which should cover all but the most serious of pet illnesses or injuries.

Pet insurance includes extras that you don’t normally find in pet insurance but they are extras that dog owners will appreciate. Things like a £150 cover for advertising costs if your dog is lost and a £150 reward for their safe return are very beneficial. Even the £75 for your dogs burial or cremation should the worst occur are thoughtful extras that are included in the most basic policy.

Fair or not, certain breeds are not covered by pet insurance such as the American Staffordshire Bull Terrier, Irish Staffordshire Bull Terrier, American Pit Bull Terrier, Dogo Argentino, Fila Braziliero, Japanese Tosa, Perro de Presa Canario, Pit Bull, Pit Bull Terrier, wolves or wolf hybrid breeds.

These are all breeds registered under the Dangerous Dogs Act so it’s not surprising. Anyone who has ever owned one of these breeds though will poit out that it’s not the dog that’s dangerous-it’s the owner. However, if you do own one of these breeds, you probably will not be able to get insurance anywhere.

All caring dog and cat owners should have pet insurance. We owe our pets love, food and water, and medical care. You can’t scrimp on any one of these and still be a responsible pet owner. Our pets are members of the family and deserve the same degree of planning that we give to our own, and our children’s health care needs.

Vet bills are rising every year and pet insurance is one way to get a handle on this expense. Don’t let yourself be priced out of pet ownership.