 With the ever increasing cost of veterinary services and the new surgical and medical techniques being discovered as a response to the health needs of pets, treatment for even non-life threatening ailments can make a large hole in the average budget for responsible pet owners. Pet insurance defrays most of the cost and can be reassuringly affordable if you shop around.
The right level of pet insurance can also make the difference between saving your pet’s life and losing a dear friend, and the more complicated diagnostic and surgical procedures involve many techniques formerly only on offer to humans. Many pet insurance schemes now cover alternative treatments such as acupuncture as well as conventional treatments and referrals to specialist pet hospitals.
Premiums vary with the amount of cover required and the type of pet covered. Good basic advice can be gleaned at valleyvets.co.uk, who will be happy to advise on coverage for even the most unusual pets. Dog owners should note that some notorious inbred health problems such as hip dysplasia in German Shepherds may not be covered. Typical policies will cover illness and accidents, third party liability and accidental damage caused by your pet as well as contributing to the cost of annual check-ups and vaccinations.
Points to watch for in insurance policies include time or cost limitations for certain chronic heath problems and whole-life cover and you will need to decide on a suitable level of excess to keep your premiums down. Timing of claims payments is also important, with two working days after receipt of the claim from your vet being acceptable.
More information is available online, with valleyvets.co.uk a good place to start. Discounts may be available if you are a pensioner of have more than one pet. This is a competitive market and it pays to shop around online, but Remember, the cheapest may not always be the best and a call to your selected insurance company should be made before you commit.
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