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Choosing The Right Pet Insurance

by Claire Harding

No matter how well we look after our furry or feathered friends there may be times when they do need a little assistance from a vet, whether it be in the shape of an operation or some medication for an illness. This can sometimes run into hundreds, if not thousands of dollars, which can put a strain on household finances generally, especially if you don’t have the right sort of insurance plan put in place for your pet. Sometimes, our animals can already have an existing condition which means that finding pet insurance might be even more difficult.

Some insurers simply won’t cover animals that have pre-existing conditions whilst others may provide cover, but not for any health problems that arise because of the pre-existing illness. It can therefore be a good idea to try and find an insurer that will cover your pet for all health issues, should you need to make a claim.

It can be useful to have a checklist of points to cover to make sure you’re going to get the best deal:

Think about whether or not your pet requires hereditary or congenital pet insurance cover.

For instance, you may own an animal that has certain genetic predispositions to illnesses or conditions that are a normal feature of the particular breed you care for – this is more common amongst pedigree breeds of dog for example. Therefore, you’ll need to find an insurance policy that covers pets with hereditary illnesses.

You’ll also need to take into consideration whether or not your pet was born with a health condition or illness and if it was one that wasn’t specifically connected to their breed. If this is the case, you’ll need to find a provider that covers for congenital illness. These types of conditions are common amongst dogs or cats and other smaller animals, though not exclusively.

Think about whether or not there are any other illnesses or conditions that you may need to declare

Take a good look at your animal’s general health. Are there any other signs of illness or injury that you may need to declare when you apply for insurance? When considering this it can be worthwhile thinking about whether the illness or injury is ongoing or recurring.

Ongoing: An ongoing health problem might be something along the lines of a broken bone, or damage to muscle and soft tissue which might cause pain.

Recurrent: Refers to anything like an infection that may be likely to spring up again at some point.

It’s worth remembering that although many insurers may not accept animals with pre-existing illnesses or conditions, most insurers are likely to accept animals that do have ongoing or recurrent health problems, so long as you are honest in the first place and declare them all fully.

Search for the best provider who can look after a pet with pre-existing conditions

Below you can find a useful list of Pet Insurers, alongside a Pet Insurance Comparison Website that can help you make the right decision.

Pet Insurance Information

1.) Gopetplan.com. A company that has been around for over thirty five years and will cover hereditary and congenital conditions: gopetplan.com

2.) Petinsurance.com. In business since 1980 and the first company to offer insurance policies nationwide. Supported by around 750 vets: petinsurance.com

3.) ASCPA Insurance. The American Society For The Prevention of Cruelty To Animals. Founded in 1866 initially as a welfare charity for sick animals, but now offering pet insurance too: aspcapetinsurance.com

4.) Pet Insurance Review. Before you make a decision, use this price and service comparison site to make sure you're getting the best deal for your dollar: petinsurancereview.com

5.) If you're still uncertain, then have a look for more information on Finding the right pet insurance for your needs.

Once you’ve thought about the type of cover your pet needs, all the conditions and illnesses they might have, including injuries and pre-existing conditions, it’s then the time to think about finding the right insurer to go with.

This is when it is strongly worth your while to find a good price comparison website. You can find a link to one of these in the resources section above. Using a tool such as this means you can get the right level of cover for you and your pet’s needs and you can also prioritise companies in order of what they do and do not provide.

Take into consideration the maximum amount of money that will be allowed to cover vet’s fees and whether or not there are any specific time limits on any claims you may need to make. Also think about your own finances, what you can afford and whether or not the insurance really does offer you financial protection. Be careful to also check the provider’s excess charges and discount any that you simply would not be able to afford.

Lastly, you’ll need to look at the provider’s cover for pre-existing illnesses and compare it to your pet’s requirements and your own financial budget. Try and get as many quotes as you can from different providers to help you make the best decision for you and your pet.


Copyright 2001 Susan Bulanda. All Rights Reserved.