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    Health Pet Insurance Tips

    Articlepet health guidesTuesday 27 November 2012
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    Pet health insurance is an increasingly popular service that animal lovers are opting for. Vet bills can be expensive, so having pet insurance cover can be just the thing to keep your mind at peace. Whether you are after dog pet insurance, pet cat insurance, or a policy for any other animal, it is important to get the best deal. By ensuring you are covered for certain eventualities, and making sure you compare pet insurance to get a good price, you can keep yourself and your pet happy. See the following guide to pet health insurance for more information.

    Compare Pet Insurance
    Obviously each insurer will give you different quotes. However, when you compare pet insurance companies, make sure you are getting a quote for exactly the same circumstances and service. This is the only way that you can truly find the best price. 


    Excess
    Pet health insurance is no different to other policies you may have, in that it will require an excess amount to be paid when making a claim. Be sure to find out exactly how much you would be expected to pay in this event. Some companies will charge much more than others.

    Times
    Each plan will cover your pet for certain lengths of time and with specific conditions:

    • Time Capped Cover – This is normally the cheapest pet insurance cover that only protects your pet with a condition for the first year that you claim. So, if for example you have time capped pet cat insurance and your cat develops arthritis, you will only be able to claim a certain amount in the first year of treatment. After this, the costs will have to be paid for by you until the end.

    • Financially Capped Policy – In this case, the insurer will set an amount that you can have for treatment, but this can be used whenever it is needed, until it runs out. Say you have dog pet insurance and your dog develops diabetes. The insurer could allow you £3,500. Some of this may be needed in the first year, and whatever is left can be used the following year. The rest must be paid for by the owner.

    • Lifelong Cover – This is probably the best type of policy as it allows you a certain amount of money to use on treatment each year for the whole pet’s life.

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