A Focused And Health Approach To Help Guide 2-Year-Olds Is Quick Guide to On-Line Pet Insurance for Your Dog

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Quick Guide to On-Line Pet Insurance for Your Dog

All pet insurance is not the same. In fact, even when deciding on the type of dog they want, potential owners need to know how expensive their options may prove to be. For many breeds, it can be difficult to get any insurance at all, especially in the competitive online pet insurance space. “Computer rejection” of a large number of breeds, including dogs crossed with those excluded. “Mongrel pups” can easily grow to look like the excluded breed. If the veterinarian at some point describes the dog as a “pit bull cross,” the insurance company will refuse to insure the pet, or refuse to pay the claim if the insurance is already in effect.

Rather than looking at every online provider and plan, this guide reviews the policies offered by the leading online providers that dominate the UK pet insurance market. They provide pet insurance for most common dog owners. This quick guide focuses on the needs of the average pet owner and is not intended to cover, for example, the needs of someone who owns a show dog.

Premiums charged for roughly equivalent benefits vary widely, but consider that £15 a month is about average for the competition being considered. Anything more probably has a good reason, anything less probably has a bad trait that most people probably want to avoid! However, cost-effective insurance can be purchased online at a very reasonable cost, provided the buyer understands the potential pitfalls. The most important things to know are outlined in these top tips.

Pet Insurance for Dogs – Eight Top Tips

1. The main reason a policy is so cheap is that it covers less, let’s get that out of the way from the start. For example, some money-saving policies are designed to only cover the first 10 years of a dog’s life. This age restriction can be well hidden in small print. Underwriters know that older animals have health problems. Veterinary bills are unavoidable and expensive, especially when it comes to diagnosis and treatment of chronic or serious conditions. The very low premiums charged for pet insurance that terminates when the dog turns 10 (or younger for some breeds) simply reflects that the policy is not in effect when most “end of life” claims occur.

2. Veterinary expenses, how much is insured? Most people would probably consider £2500 to be more than enough to cover veterinary bills. Sadly, this is often insufficient, and certainly more likely in the 10-year time frame where claims are almost inevitable. Many people now have a £4000 limit and this has been used as a baseline for this guide.

3. Some providers keep premiums low, but as insured dogs age, they make up for this by substantially increasing excess charges on veterinary bills. This also usually takes the form of a percentage contribution to the cost of treatment – ​​usually 20%, but some are higher. This means a £2,000 vet bill would be with the policyholder paying £400 in claims plus their policy excess, say another £90. In this case the insurance company will only pay £1510. For pensioners or others living on a fixed income, the £490 they suddenly have to find could be a disaster. Therefore, some buyers may prefer to pay more premiums for a policy that is constant throughout the life of their animal and always has the same excess.

4. In addition to premium increases, policy terms and conditions will also change as the insured pet ages. The excess has already been mentioned. Standard monthly premium policies usually don’t cover any situations where a claim has already been made. Eczema is a good example of a condition that can affect dogs for years, and only whole life insurance still allows the policyholder to continue making claims after the next policy renewal after the initial claim. Most good pet suppliers offer a lifetime insurance option. All plans charge about 35% more for this compared to standard monthly plans.

5. Premium increases reflect the increased cost of claims and the greater likelihood of claims occurring. Veterinary costs are rising much faster than the rate of inflation, which simply reflects the wide range of treatments now available. The quality offered is comparable to private hospitals with matching prices. Also, premiums go up as the dog gets older. E&L Insurance is one provider that’s taking a more transparent approach, such as offering “senior pet” coverage only for dogs over 8 years old.

6. Watch out for online discounts and especially low premiums for puppies. These discounts apply only to the first year of insurance, the next year and the following 12 years will be full price. To check the real value, it is advisable to try multiple online offers with different pet ages, this will identify any suppliers trying to lure business with pre-loaded discounts. The cheapest isn’t always the best value over time, so spending a few minutes comparing prices can be very useful.

7. Pay for the brand. Many big brands, especially supermarkets and banks, offer pet insurance, but their insurance is outsourced to specialist providers. The brand will take a large percentage because they spend a lot of money on product marketing. They offer access to a large number of loyal customers and charge a fee for the privilege. However, the same specialists often offer the same product directly at a lower price.

8. Be aware of breed specific limitations, known issues with certain breeds such as hip displacement in German Shepherds and short lifespan in many large dogs will be reflected in the policy terms and conditions. Underwriters will be most specific about these restrictions from the outset, and understanding them is critical. Fundamentally, insurance is only meant to cover unexpected expenses, not the unavoidable for inherent illnesses. Also, most insurances don’t cover dental or gum disease, so don’t let your dog develop a sweet tooth.

In compiling the table below, each provider was asked to quote online one medium sized purebred dog – 8 week old new puppy. The insurance sought was £4,000 for veterinary expenses, although alternative options were shown where this exact figure was not available. This sample was collected on October 10, 2010.

Provider/Consideration/Covered Veterinary Expenses/Premiums

Argos Gold Cover/ £65 excess / £4000 / £15.77

E&L Silver (monthly) / £159 or double £49 on claims over £1000. From 8 years old, contribute 35% / £4000 / £8.82 towards vet bills

churchill / £65 surcharge plus 20% contribution from age 7. Online Discount / £3000 / £10.98

LV=Liverpool Victoria/ Over £60. 10% Online Discount / £5000 / £10.96

pet-insurance.co.uk / Over £90. Standard cover. Under 10 years old. 20% Online Discount / £4000 / £7.79

pet-insurance.co.uk / Over £90. lifetime coverage. There is no age limit. Owners are expected to pay 10% of overnight pet hospital charges. Includes 20% first year discount / £4000 / £11.47

more than / Excess charge of £70 plus 10% of the claim fee for under 9s, increasing to 20% for 9s and over. / 20% online discount. / £3000 / £12.75

pet plan / £75 Excess plus 20% contribution for over age 8 discount 1 month free. / £3000 / £15.25

sainsbury / Three months free over £100 (limited time offer). Earn Nectar Points / £3000 / £14.73

Tesco / Over £60. Policy terms remain the same for the life of the pet / £4000 / £17.68

best pet insurance

It depends on how much insurance the pet owner needs. Some veterinarians are ready to reveal typical treatment costs, and it can be a sobering conversation! Arguably, individuals can open a separate savings account, pay a monthly amount equivalent to one of the highest priced policies, and become your own insurance company. However, many people don’t have the discipline to do this, and if something happens just one year later, the savings won’t be enough.

Unfortunately, even a young, healthy dog ​​can experience all kinds of abrasions. Just ask anyone who pays £3000 for surgery on a pet involved in an accident. Pet insurance also includes legal liability, which people don’t think much about until their dog runs out of an open gate or slips off his collar on a busy street.

Just looking for the lowest price at the time? There is always the option to purchase a policy with excess or larger contributions. This insurance will cover most of the really big bills if the worst happens. It’s better than no cover at all. For example, products offered by E&L Insurance, especially for dog owners living in London or outside of their home country, would fall into this category.

A lot depends on your personal situation. Many people on a fixed income, those with existing debt they are paying off, or those who are naturally prudent, tend to prefer to pay for insurance with minimal excess or contributions. They would rather leave their insurance company and worry about receiving a huge veterinary bill. So even though it’s relatively expensive, a pet policy like Tesco’s will suit them.

A policy of pricing somewhere in between represents a compromise. However, it is worrying that many people are unaware of the terms and conditions of pet insurance policies and are simply attracted by the low headline prices of reputable brands. Sadly, some people don’t find out until it’s too late, and they have to pay large sums on any claim, especially as their dog gets older.

This guide is designed to help readers make informed choices about the pet insurance products they choose for their dogs.

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