Whether your latest family member is a properly pampered pooch or a cat who loves scaling the neighbors’ gates, you’ll want to do everything you can to protect them.
This is, of course, where dogs insurance comes in. Our animal allies aren’t fortunate enough to have a national health service of their own, so it’s up to us to foot the bill for the unexpected.
It’s no-one’s favorite monthly expense, but the small cost beats being forced to choose between paying out and putting down.
Thankfully, we’ve done the hard work so you can maximize your time with your furry friend. Here is everything you need to know to find the best dogs insurance for you, including dogs insurance reviews:
What does pet insurance actually cover?
As you might expect, no dogs insurance is created equal. Most policies will cover large, unexpected costs as standard (ie broken bones and accident-related injuries) but may not include illnesses that are equally unpredictable. It is best to look out for plans which cover both, as well as third-party liability cover (it handles the cost of advertising and reward if your pet goes missing).
Unless you opt for comprehensive cover (often called ‘lifetime cover’, though it differs among providers), your pet is unlikely to be covered for routine injections, check-ups, worming treatments, anti-flea medications, whelping costs and pre-existing conditions. Always check the small print.
Is pet insurance worth it?
Like all insurance policies, they are there to protect you and your pet from the unexpected. And if Hollywood’s many canine capers have taught us anything, pets are beacons of the unforeseen.
How much is pet insurance?
Pet insurance prices depend largely on the animal you’re insuring and the specific policy you decide on.
For most people’s needs, £20 to £30 per month would afford your pet comprehensive cover. Then again, if you want to go for something cheaper, accident-only pet insurance for cross-breed dogs can cost under £5 a month.
It is worth noting that prices tend to increase as your pet gets older, whether you’ve claimed or not. Within their lifetime, dog insurance can be hiked five times higher than the same pet’s puppy insurance.
For dog insurance specifically, mixed-breed dogs are cheaper to insure than their pedigree alternatives and both smaller or female dogs, respectively, cost less than bigger, male dogs.