Do You Need Pet Insurance?

05 October 2011 - Which Way to Pay

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Do You Need Pet Insurance?

If you have a pet, then you know how expensive vet bills can be. Pet insurance is a must if you own a pet, as you donít have to make a difficult decision should anything happen to your furry friend. Vet bills can reach thousands of dollars, so if your pet is in an accident you might not be able to afford a life-saving operation. Levels of cover vary between policies; you can get insurance for vet bills, theft of your pet, straying, kennel fees if you are unable to look after them due to poor health and even accidental damage and third part liability caused by your pet.

The monthly premium will depend on the type of pet you have and the type of cover you have, starting from around $10 a month. Pet insurance often does not cover general health care such as vaccinations, flea control, worming and check-ups. Remember that many insurance policies will operate on an excess basis, meaning that you will have to pay an excess on any claim. Make sure you know exactly the terms of the insurance you have, as some policies only cover conditions for a maximum of a year, which would leave you with large bills should your pet be diagnosed with epilepsy, a skin condition, reoccurring tumours or any other long-term condition.

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