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> Pet Insurance
> Pet Health Insurance - UK Guide
 About this type of cover
As a rule, residents in the UK are passionate about their pets, and for many families the cat, dog, rabbit, hamster, or budgie, is simply another addition to the family. So, when our beloved pets fall ill or become injured it can be extremely distressing for the whole family. And if money is short and the treatment required is costly, things can get even more stressful. Pet health insurance provides pet owners with peace of mind when it comes to affordable treatment for their pets. With a good pet health care policy, your pet can get the attention and treatment he or she needs at a time when it is needed most. And you can enjoy seeing your pet receive quality care without having to try and find large sums of cash to pay for the treatment.
Summary of Cover
The features provided with pet health insurance can vary depending on your level of cover and also on the insurance company that you select. Your pet will normally be covered for treatment up to a specified amount in any one twelve month period. General consultations and basic treatment is not normally included, so it is important to check exclusion on your chosen pet health insurance policy. Also, there is normally an excess fee to be paid in the event of a claim. The cost of cover can depend on a number of factors, such as age, health, type, and gender of your pet.
Extras
There are a number of extras available with pet health insurance, and although you may have to pay a little extra on your premiums these could prove invaluable in the future. You can select from extras such as:
Advertising cover, which can be a big help if your pet goes missing. The costs available towards advertising to find your pet can make a big difference and can offer additional peace of mind.
Death cover, which offers a small payout of several hundred pounds in the event that your pet dies from an accident or illness. This can help towards the cost of getting another pet if you wish.
Additional Information
It is imperative that you check any pet health insurance policy before making a commitment to ensure that it provides the levels of cover that you require. Policies can differ from one insurer to another, and it is advisable to compare both premiums and features before making a decision. The claims procedure can also vary from one insurer to another. This will depend upon the insurer's own regulations and you should ensure that you are familiar with the claims procedure.
Free Extras to Look Out For
There is no guarantee that you will receive any free extras with your pet health insurance cover, but some insurers do offer extra, particularly with higher levels of cover. You should check with the insurer with regards to any additional extras they can provide, and because competition is fierce in the insurance field you may find some excellent deals with a range of free benefits.
Saving Money on your Cover
If you want to save even more money on your pet health insurance cover there are some steps you can take to cut costs. These include:
Shop around as the cost of cover and the benefits of cover can vary from insurer to insurer, so it is important to compare the various deals on offer.
Go online as the Internet is often home to some of the cheapest pet health insurance deals around, and you can also enjoy far more choice. Some insurers offer additional discounts to online customers.
Increase the amount of excess on your policy: The higher the excess on your policy (the sum you have to pay from your own pocket in the event of a claim) the lower your premiums are likely to be. However, before you make your decision you should see whether it makes a significant difference to the cost of the policy, as you should remember that the amount of the excess will have to come from your pocket should a claim be made. If the claim made is for a sum that is lower than the amount of the excess on your policy, you would have to pay the whole amount of the claim from your own pocket.
Further Information
You can obtain further information with regards to quality insurance cover from the Association of British Insurers at the link below: http://www.abi.org.uk/
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