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Pet insurance gives you quick access to care when your pet is poorly. Your policy might provide cover for illness, injury as the result of an accident and more. It might save you having to shell out on eye-watering medical bills for your beloved pet.
Your name, address, that kind of thing
Such as their breed, age and gender
Their permanent address, even if they go walkies now and again
Do they have any pre-existing conditions we should know about?
How much you paid to buy or adopt your pet
It may be more expensive to insure older pets as they’re more prone to health issues.
However, you can still find a policy to cover them – if a standard policy won’t do, talk to a specialist insurer who should be able to help.
It can be tricky to find a pet insurance policy that covers pre-existing conditions as standard.
Speak to your insurer to work out what they’ll cover you for. It may be worth finding a specialist who can help.
We’ve got 10 tips to get those premiums down:
The cheapest option may not work out the best in the long run
Chipping your cat or dog could reduce your bill
Some insurers may give you a better offer
... but make sure you have enough money to pay up, if you need to
Make sure they get plenty of exercise and have a healthy lifestyle
Put your pets on one policy to see if you can get a better deal
If you haven't got your pet yet, a crossbreed may be cheaper to insure
The charity may be able to help cover the cost of vet fees
Co-insurance could be a possibility if you have an older pet
Always shop around to find a great deal
Pet insurance comes in lots of different shapes and sizes – you just need to choose the right one for your little pal.
Accident-only pet insurance will only cover treatment if your pet is involved in an accident.Find out more >
If you pick a time-limited policy, there will be a capped amount on the treatment you can claim in a 12-month period. If you renew the policy after one year, you won’t be able to claim again for that condition.Find out more >
Maximum benefit insurance gives you an annual sum to claim on throughout the year, either per policy, per condition, or both.Find out more >
Policies may include a co-insurance element - if you make a claim, you'll be charged a percentage of the remaining vet fees after the excess has been deducted.
While insurance doesn't cover the cost of pet vaccinations, ensuring vaccinations are up to date has the potential to lead to a cut in premiums.
If vaccinations are not kept up to date and you need to make a related claim, you may find that your insurance has been invalidated.
As they have a higher value and are more likely to be stolen, pedigree animals generally will be more expensive to insure. Due to their breeding, they also tend to be more vulnerable to genetic complaints.
Terms and conditions apply