1st May 2006

Insurance

Read more: Dogs Insurance Cats

Pet Insurance

Protecting the health and wellbeing of your pet is important. After all, they’re part of the family. And the last thing you want if your dog is injured or becomes ill is to be worrying about the cost of treatment.

Obviously, your choice of pet insurance should cover you against the cost of unexpected vet’s bills.

What is covered?

Pet Insurance will help cover the cost of unexpected accidents and illnesses, most Pet Insurance providers will offer cover for the following:

Veterinary fees cover

There are 3 basic types of vet fees insurance in the market place.

1. 12 month policy –a monetary limit for each illness and injury where cover for treatment stops after 12 months
2. Cover for life- an annual limit for all treatment reinstated each time the policy is renewed.
3. Maximum benefit – a monetary limit for each illness and injury with no time limit

Veterinary fees cover will cover the cost of x-rays, consultations, surgery and medication

On-going conditions (like heart problems, epilepsy, skin conditions, diabetes or arthritis) require treatment over many years rather than 2 or 3 consultations. It is important to make sure that your policy will provide cover for ongoing conditions year after year.

Alternative therapies

Most policies will cover you for alternative therapies, like homeopathy, acupuncture, physiotherapy or herbal medicine. The amount you can claim depends on the type of policy you have. Some will have a separate (usually lower) benefit in addition to the benefit for conventional vets’ fees. Others will allow you to use your entire vet fee benefit for alternative treatments.

• Advertising & Reward for lost or stolen pets
• Boarding Kennel & Cattery Fees if pet owner is hospitalised
• A very useful benefit on the majority of policies provides cover for Kennel or Cattery costs if you are hospitalised for any reason and you do not have anyone to look after your pet for you.
• Third party Liability If the pet causes accidental injury, damage or loss to person or property
• Maximum Age Limits
• As a pet becomes older, it’s increasingly more important to have sufficient insurance cover, as the risk of developing conditions such as arthritis, kidney and heart disease becomes more likely. Some insurance providers put a age limit on taking insurance out, this ca be from as young as 6 years old.
• Exclusions

These are the restrictions to your cover. No insurance policy will be able to cover you for everything, so you will need to make sure you are fully aware of what you cannot claim for.

The areas Pet Insurance companies will not cover are any pre existing conditions and the routine treatments like spaying or castration (neutering) unless on medical grounds and vaccinations.

Do I need Pet Insurance?

As there is no NHS for pets it makes sense to have Pet Insurance, it is a very good way to budget for those unexpected bills. It also ensures peace of mind, and ensures the best of treatment is available without the financial worry.

Just see how some of these pet owners have benefited from Pet Insurance

Shiya, a 2 year old male Papillon fom Middlesex received nearly £6,000 worth of veterinary treatment for his fractured front legs.

Luke, a 1 year old Labrador Cross from North Humberside had a hip replacement costing over £5,000.

Harry, a 2 year old Lurcher cross from Hertfordshire received treatment for a fractured leg with costs so far at nearly £4,000

Tuck, a 2 year old Labrador Cross from Devon received treatment for a throat injury from a stick this cost the owner over £2,000.

Monster, a female domestic cat from South Humberside received treatment for a road traffic accident in the first month of having insurance, the cost of treatment came to over £1,000.

Flo, 3 year old female Border Collie from Liverpool needed treatment after running into a lamp post, costs of treatment came to £1151

Ceefa, a 4 year old domestic cat from London received extensive surgery on her leg after jumping into a glass coffee table, the treatment cost over £700

Jake, a 2 year old Stafordshire Bull terrier from Staffordshire had to have an operation after swallowing a stone, the surgery cost nearly £700

For illustrative purposes only

How Can I Get A Quote?

It only takes a moment to find out how affordable Pet Insurance can be.

With MORE TH>N Pet Insurance, you won't have to worry about unexpected vets' fees and bills. Cover starts from £7.99 a month for dogs and £6.99 a month for cats. Plus you get a 15% discount when you buy online.

MORE TH>N Pet Insurance offers some of the widest ranging cover and support available:

• Up to £7,000 vets fees cover for each and every new injury and illness. What’s more, there is no time limit. With our vet fees cover you can continue to claim after 12 months and for as long as your policy is in force giving cover for long-term ailments such as arthritis or exzema, ulike many other policies.
• Cover includes consultations, x-rays, surgery, medication and alternative therapies such as acupuncture and homeopathy
• Up to £600 towards advertising and a reward if your pet goes missing
• Up to £600 in kennel or cattery fees for your pet if you spend over 4 days in hospital
• Up to £600 towards the purchase price of your pet if they go missing, are stolen or fatally hurt in an accident (need proof of purchase)
• Up to £600 towards the purchase price of your pet if you lose them through illness before they reach 9 years old
• Up to £2 million liability insurance if your dog causes an accident or damages someone’s property
• Up to £1,250 pet holiday cover towards the cost of emergency veterinary treatment in Europe
• Access to a FREE 24 hour Serious Illness and Bereavement counselling line
• One year's free membership of our Missing Pet Service, offering practical help if your pet is stolen or goes missing.
• Over 95% of claims processed on the same day they are received

Simply click here to get a no-obligation quote in seconds. You can then buy insurance online by simply filling in a few details. Insurance is only available to UK residents and it only covers cats and dogs. To buy online, you must be the pet owner.