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Pet Insurance Offers Cover and Perks
Pets, as any pet owner can attest,
bring us a lot of priceless joy and companionship. However, pets can
also bring a lot of high veterinary costs as well. For this reason,
pet insurance is growing in popularity as veterinary costs continue
to rise, and responsible owners look for the best way to afford
these costs while keeping a pet healthy. Any pet owner should
consider the benefits to pet insurance cover.
How to Get the Best Deals for Pet
The best way to
comparison shop and decide on pet insurance cover is to use the
Internet. Almost all pet insurance companies advertise their
services online, and often offer a nice discount for those who sign
up via the Internet. In addition, there are online services that do
the comparison shopping for you. All you need to do is enter some
basic data about your pet, and you can choose from an array of
companies, simplifying the entire decision process.
Levels of Coverage
Most companies offer
three different level of cover for pets: time capped, condition
capped, or lifetime. The time capped is the least expensive, but the
least flexible. It pays for one condition one time, and will never
cover the same condition again. Condition capped pet insurance is
somewhat more expensive, but allows multiple claims as long as
different conditions are being treated. The lifetime pet insurance
is the most comprehensive, pays for recurring conditions, and is the
most flexible, but comes at a greater cost.
Pet Insurance Perks
Although most pet
owners are content to simply buy cover for pet illness or injury,
some policies include riders that offer much more. Some of the extra
riders available are:
cover. Allows for reimbursement of a portion of boarding fees
incurred when a pet needs to be attended.
cancellation cover. Pays for fees incurred for trip cancellation
due to a pet's illness, injury, or disappearance.
Pet document cover.
Pays cost to obtain lost pet documents during a trip abroad so the
pet can be returned to the UK.
Damage cover. Pays
a third party for property damage due to your pet's actions.
repatriation cover. Pays for cost associated with getting your pet
home to the UK after becoming sick or injured abroad.
Pays for a new pet if your pet is lost or stolen.