We look at everything you need to know about pet insurance from the different types of cover to exclusions to watch out for in the fine print.
Sections
Do I need pet insurance?
There are approximately 51 million pets owned in the UK and 8.4% of those animals are covered by some kind of pet insurance, says the Association of British Insurers (ABI).
Typically, pet owners take out insurance to cover the cost of unexpected vet bills but with the average year of cover costing £279 (according to the ABI), is it worth it?
“There is no NHS for pets. Leaving them uninsured risks the owner having to fork out hundreds or thousands of pounds on veterinary bills," warns Graham Walsh, policy adviser, Protection and Health, at the ABI.
Data from the ABI has revealed a record £785 million was paid out in 2018 to cover over 990,000 pet insurance claims across the UK.
The average claim came to £793, and this figure is only likely to climb in coming years as veterinary treatment becomes most sophisticated and pricier as a result.
Under the 1971 Animals Act, animal owners are legally responsible for any injury or damage that they cause, which can also be very costly if you aren't insured.
We reveal what you need to consider if you want to protect your beloved pet.
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Types of cover
What makes cover more expensive?
Animal-specific information
What insurance won't cover