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December 2023

Tips When Buying Pet Insurance

Wednesday, September 20, 2017
posted by Jim Murphy

Pet medical care can get very expensive. Ask me, I know from what I’m experiencing with my cat Molly. She has regular visits and tests done to monitor her renal and thyroid disease. Her medication is also very expensive. We usually don’t budget for our pet medical care. It’s just a given, we do what we have to do for our beloved pet.

You may consider purchasing pet insurance but you have to be careful and clearly understand what is covered and what’s not covered. Here are some tips when considering pet insurance.

  • Always consider lifetime coverage. According to the Guardian, lifetime coverage is designed to pay for any chronic or recurring condition during the pet’s entire lifetime, compared to other policies which might refuse cover once they reach a certain age, or because of pre-existing medical conditions. Trouble is, it is expensive: for a labrador it can cost four times as much as basic accident-only cover.
  • Always read the small print. Look for the best coverage rather than the best price.
  • Don’t pay for unnecessary coverage. If you’re never going to take your pet abroad, you don’t need European coverage.If you don’t live on your own you won’t need emergency boarding coverage. A couple of these things can lower the cost.

Do your research and compare coverage. Make sure you are getting the proper coverage for what you’re paying for.

Remember, your pets count!

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