Only a pet lover would understand how important a pet is
in anybody’s life. They bring happiness, with their
innocence and unconditional love.
The happiness
they radiate when they see you come home after a long and
tiring day can be compared only to the joy of
one’s children. No wonder most pet owners consider
their pets as part of the family. However, along with all
the good times can come some pretty hefty veterinary bills
if your pet falls ill and needs professional treatment. And
who can deny that quality veterinary care doesn’t come
cheap. Health care for a sick pet may total up to thousands
of pounds; which is why it makes sense to go in for pet insurance.
Pet insurance companies in the UK offer cover for pets of
all ages. The premium for pets is most affordable considering
the cost of veterinary treatment escalates at the rate of
11% every year.
E&L Pet Insurance offer a cover from just 11p per day
for cats and 16p per day for dogs, can be best described
as ‘a little something’ for your darling pet.
Besides vet’s fees they offer a host of other benefits.
Example: E&L’s policies include a public liability
cover. That means if your pet is involved in an accident
involving another person or injures somebody who then sues
for damages, then the policy covers such amount. E&L
have paid out pet claims that run into thousands of pounds.
These days claims on pet insurance policies are more frequent
than for motor or household insurance. Pet insurance policies
cover a host of eventualities, such as your pet having an
accident, sickness, compensation for having to cancel your
holiday, money for advertising the loss of a pet, or to pay
a reward if your lost or stolen pet is returned.
With
some variation in the level of cover, most usually provide
cover for the following: Vet Fees, Death Benefit,
Holiday Cancellation, Boarding Fees, Theft/Straying, Advertising/Reward,
Third Party Liability, Accidental Damage, etc. It may also
happen that your pet needs to be placed into a kennel or
a cattery at short notice. Most policies will pay for this
also.
Here too,
we advise getting a competitive quote for your pet’s
insurance, which means you compare like-for-like policies
and the premiums, etc., and what's covered by the
policy before you make a buying decision.
Also make it a point to check the small print on your policy
for exclusions as some things aren't covered. Example: the
cost of treatment for any condition which occurred before
the policy started, flea control, vaccinations or spaying
and castration. Check also whether your pet is listed among
those which cannot be insured. Some types of dogs cannot
be insured, e.g. racing dogs, guard dogs, working dogs or
dogs registered under the Dangerous Dogs Act.
The process of finding a policy hardly takes a few minutes.
After three simple questions you will be able to view a table
of results, listing available policies in order of price.
You can sort these by cheapest monthly premium or cheapest
annual premium and pick the policy that best matches your
needs.
Pet insurance makes sense even if you did not love your
pet. Buying the pet would have cost you some money. So if
your pet was lost, stolen, killed accidentally or just died
of natural causes, then you would be thankful of a pet insurance
policy which would provide a lump sum with which you can
purchase a new animal.
Whichever way you look at it, pet insurance is a great boon,
considering the huge financial benefit (it can run into thousands
of pounds) with so small a premium.
|
