Pet owners know the importance of ensuring that the animals enjoy the best available treatment in situations they become or injured. Veterinary fees can be very costly, with as much as £750 could be spent on treating a cat or dog injured in a road accident.
In the UK, a normal visit to a vet currently costs £200 on more average, while animals that need to undergo a complex treatment might result to an eye-popping bill of £4,000.
A lot of time and money will be spent in taking care of a pet. In addition, the pet owner should consider various related items such as food, vaccinations and property damage.
Studies show that almost 75% of pet owners were forced to make unscheduled veterinary visits over the last two years. Treatment for a dog with a heart ailment can cost up to £1,000, while treating a cat with a broken leg can go for as much as £300. This is where a pet insurance plan becomes handy, as it will help the owner save on such costs.
Purchasing a pet insurance plan is expensive at first but this will be a more practical move than paying off vet fees in full. The continued evolution of science has resulted in the creation of many treatments that help prolong the life of a pet. Like any other application, a pet insurance plan has requirements that should be considered by the owner.
Many insurance companies have various policies depending on the pet’s type and age. A pet insurance plan for a mongrel will be cheaper than something suited for a pedigree. A typical pet insurance plan normally covers vet bills and minor surgeries. However, a comprehensive pet insurance plan has more flexible coverage like paying for the services of a pet psychologist or fees to cancel a vacation.
Nearly all types of pet insurance plan feature liability coverage. Under liability coverage, the pet owner will be insured if the animal inflicts bodily harm to another person or causes damage to property. The insurance company will normally tell the pet owner to wait around two weeks before claiming the policy and or even make an excess payment.
A pet insurance plan will also greatly consider the age of a pet. Unfortunately, many insurers avoid covering high-risk animals particularly those over 8 years old.
Older pets need continuous medical care and monitoring. Pets should be insured while they are still young to increase chances that they will be properly taken care off for life especially if they develop an illness or become injured.