Extra Dog Insurance - Why You Might Need Extra Insurance on Your Policy

Extra dog insurance

Some pet owners are perfectly happy to receive the basic benefits and fairly small amounts of coverage. However, you should seriously consider getting extra dog insurance just to give your pet and yourself extra protection. The advantages of using this option are many and different. You should certainly consider them.

Purchasing extra dog insurance covers along with the main vet fees cover can save you a lot of trouble and money in the future. Now you can add all sorts of covers to the main policy designed to help you pay your veterinary bills. The third party liability cover is one of the most worthwhile and most popular items added to standard plans. It protects you financially in case your pet is found responsible for causing an injury to a third party or damage to property belonging to a third party.

The advertising and reward extra dog insurance cover is certainly worth purchasing. It will allow you to invest a fairly large amount of money in the advertising of your missing pet. You will be able to offer a monetary reward to the person who provides valuable information or retrieves your pooch. All of this will be paid for by the insurer. In general, you can get theft and straying benefit as well. You will get financial compensation equal to the market value of the animal if it cannot be retrieved. By purchasing a death benefit, you will be entitled to receiving compensation in case your pet dies.

You can buy extra dog insurance covers for boarding fees and holiday cancellation. If you have to stay in hospital for a couple of days and your pet needs to stay in a kennel during this time, the insurer will pay the fees the caregiver charges. You will get compensated for cancelling your vacation if you have to remain at home due to your pet being sick or injured.

Some companies offer extra dog insurance for trips overseas. The so called pet travel insurance can usually be purchased as part of the main package, whenever needed. It covers vet fees, theft and straying, quarantine fees, passport loss and repatriation, to name the main items.

Is it worth purchasing all these types of extra dog insurance? Generally, they can become quite handy at a certain point in time. If your dog runs on the street and a car crashes into your neighbour's fence to avoid hitting it, you will certainly appreciate the fact that the insurer will pay the compensation, which both the driver and your neighbour will want from you for the damages caused to their property.

However, it is best not to purchase additional cover blindly, but take into account your individual circumstances, needs and requirements. If you have a big family or a close friend that can take care of your pet in case you need hospital treatment, you do not need to buy boarding fees coverage. Of course, you may add this item to the plan just to be on the safe side.

You can purchase extra dog insurance cover amounts as well. Many insurers offer this option. One important thing to note, however, is that you will have to make this choice before purchasing the respective policy. In most cases, it is not possible to add extra amount of coverage later on. Still, this option may be available with lifelong pet insurance. In general, it is best to ask the company which you buy the plan from so that you know exactly what your options are.

Should you purchase extra amounts of cover? You should consider the needs of your pet and your vet's fees when deciding on purchasing extra dog insurance. If you know that in the future your pooch may require treatment that costs above the cap set by the insurer, you should certainly buy more coverage. Similarly, if your dog is very active and tends to be careless, you may want to get extra coverage just to be on the safe side. Talk to your vet about the costs of the treatments for common types of injuries and illnesses and check if they match the existing per-condition caps on your policy.

You can choose to purchase larger amounts of the extra dog insurance covers that you have included in the policy as well. If your pet is an award-winning show dog, for instance, you will certainly want to purchase a larger amount of theft and straying coverage. The important thing is to use the opportunity to tailor the policy to your pet's needs and to yours so that you can make the most out of it.

Extra dog insurance costs more. This is the reason why many pet owners are put off by the idea of using it. However, if you do the math, you will see that the additional types and amounts of cover do not add considerably to the cost of the policy. A comprehensive dog insurance policy with all the major extra covers can cost just a couple of pounds more than a basic package.