If you're wondering if pet insurance is worth it, consider how you might pay for unexpected vet fees if they were to fall ill or get injured.
Treating a cat wound could start from £300, while vet fees for congenital diseases and hereditary conditions could run into thousands of pounds.
Could you afford to cover the cost?
Fixed pet insurance per injury or illness.
Always read the small print and check your pet’s policy will include everything you need. Perhaps you travel and want overseas cover or, should the worst happen, does the policy cover loss, theft, or death?
Make sure you do your research when you are first looking for a policy, and consider specialist pet insurers who offer a more tailored approach to pet insurance, with flexible options, so you only pay for what you need, rather than generic insurers with inflexible policies. Always be very wary of shopping around when your policy is due for renewal. Unlike home or motor insurance, this is a risky strategy as any illnesses or conditions that your pet has had in the past are very unlikely to be covered with a new provider. So, while you may save a few pounds on your premium, it could cost you significantly more should you have to pay the full treatment costs for issues no longer covered.
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