I’ve just bought a pug and I want to get her insured. What considerations must I make when looking at different policies? - Faye
Great idea Faye. I’m glad you’re thinking about pet insurance. Pugs can be a breed of dog which have potentially lots of health problems, such as breathing issues, skin issues, and neurological issues. So, pet insurance will aid in covering potential veterinary bills which can cost thousands of pounds if you’re unlucky. Many people will not have that in savings and vets usually require payment upfront before discharge of the animal.
There are several different policy types which are available and so reading the fine print carefully and selecting the option which works best for you will be in your best interests. Some insurance companies give you a sum of money per condition, which renews every year, whereas some companies will provide a sum of money per condition for the whole lifetime. Other companies will give you a sum of money for all health care which renews every year.
In addition to this, the excess payment will differ from company to company, and a higher excess might reduce the annual payment, however it will require for you to pay more towards the claim. Also, some insurers will also require you to pay a percentage of the fee if your dog is over a certain age.
Nevertheless, pet insurance will save you a great deal of money long term if anything happens to your dog, and will allow your vet to provide him with the gold standard vet care without financial concerns.