Compare and Buy Pet Insurance Policies Online
Why Buy Pet Insurance and How to Compare Policies
There are a number of reasons for buying pet insurance. The main one is that you can save considerably on vet bills if your pet becomes ill (* the average vet bill is now over £100.00). In the past, many animal companions were abandoned without any care because the owners of the pets had no means for taking care of their huge medical bills. Now things have changed. Many insurance companies have come to the rescue of both the animals and their owners. If you have been thinking about getting the best insurance cover for your pet, then you should learn how to make an effective pet insurance comparison.
The first step is to get a variety of pet insurance quotes from a number of insurers providing such policies. The best place where you can find quotes is the internet. Just visit the web sites of a number of insurance companies that offer pet cover plans and request quotes by filling out the respective online form. Usually, you will not be required to provide any personal details, apart from your email address. You should expect to receive the quotes in a matter of hours and even in a matter of minutes. Remember that quote provision is a service that is totally free for charge, so you can readily get as many offers as you need.
One of the intial points to consider when comparing pet insurance companies is to assess the type of cover that the company offers and how much compensation you will receive in order to pay vet medical bills. Much like car insurance, not all insurance policies are the same - so please pay particular attention to the details that each pet insurance policy offers. Some insurers offer cover only for cats and dogs, while others include horses, rabbits, hamsters and other small pets as well. In addition, some insurers do not insure certain cat or dog breeds as they are considered being more likely to suffer from conditions that are expensive to treat.
Compare Pet Insurance - What to look for in a policy
Check for any other limits as well when you compare pet insurance. Often companies set an upper limit to how much coverage you can buy. This can be quite restrictive. Additionally, many insurers have age limits. They may refuse to cover a pet that is older than three or four years. In general, few insurers will cover an animal that has pre-existing medical conditions. Some common exclusions that you may find for pet insurance policies are: Pre-existing illnesses or injuries sustained (prior to taking the policy), Spaying and/or castration, whether the animal is vaccinated and the types of vaccinations, the control of fleas. These conditions can all lead to a refusal of cover for your pet so it is vital to check the detail and fine print of each and every insurance policy.
Compare the types of cover the different policies offer. This is really important when making your pet insurance comparison. Some plans provide coverage only for illnesses while others provide coverage for accidents as well. Not all policies cover all types of illnesses. For instance, many plans will not cover your pet, if it gets cancer. You should definitely check the types of coverage included in each policy as well as the exclusions to them. This will give you an idea of how reliable a plan is and how useful it can be to you. More importantly, you will be able to figure out how much you can save on vet bills.
Compare prices in line with the types of cover you will get. Many pet owners prefer cheaper policies because they want to save money. The reality is that cheaper policies may not provide sufficient coverage for the vet bills you will incur when your pet needs treatment. In turn, you will end up paying large chunks of the sum out of your pocket. That is why it is essential for you to buy an affordable policy that brings you a good amount of comprehensive coverage.
Pet Insurance Comparison - discounts and promotions
Check for available discounts as part of the pet insurance comparison. There are companies offering discounts to owners of a number of pets if they are insured under separate or under the same policy. If you have another policy with a company, you may be eligible for a multi-policy discount. Many companies will offer some discount to clients who pay their annual premium altogether instead of making monthly payments. Additionally, there may be promotional offers for insuring certain breeds at lower prices. In this way, you can get some discount if your pet is from a particular breed.
After you have made your pet insurance comparison, you should contact the company via their website or email the insurance provider you have chosen to buy a policy from. It would also be a good idea for you to talk to a representative of the company before making a purchase of a policy. Read carefully the terms and conditions of the insurance agreement. Make sure you know how you can make a claim and how much excess you will need to pay, when you make a claim. Check what payment methods and customer support are available, so that you can manage the policy that you buy effectively.
If you take the time to make a pet insurance comparison and have your pet covered by a good insurance plan, then you won't have to worry about any misfortunes happening to your pet. Having insurance, however, does not mean that you should not arrange for preventative care to be provided to your pet. In any case, it is much cheaper to prevent an illness rather than to pay for its treatment even with insurance at hand.