Pets do not play the same role in our lives as they did years ago. Today pets, particularly dogs and cats, are considered as members of the family and as such, we want to know that they’re protected against illness or accidents that may cause high vet bills. If you’re looking for good, Northern Ireland can offer a choice of different types of policies to ensure your pet is always protected.
Taking Care of Your Pet Can Be Costly
With cats and dogs being such popular bets in the home, the cost of taking care of them has risen considerably in recent years. You can easily spend up to £12,000 on your pet in a lifetime. Considering their life span is not near as long as ours, this can add up to quite a large amount of money. However, because we love our pets, we want to make sure we can provide them with good medical should the need arise.
What to Look for in Pet Insurance
The first step in finding good pet insurance in Northern Ireland is knowing what type of coverage you need and what you can afford. There are basic policies you can purchase, which may offer you what you consider adequate coverage against the most common vet bills. However, because they’re just basic policies, they’re probably not going to provide coverage when you need it the most.
Routine care and examinations for our pets may not be an expense we like to pay, but they’re not that expensive. The types of vet bills that can become overwhelming are for an emergency stemming from an accident or an illness that needs immediate attention. Sometimes, being able to provide your pet with good medical care can mean the difference between life and death for your beloved pet.
Look for coverage that has premiums you can afford to pay but still provides good coverage for possible large vet bills. Will they drop coverage when your pet gets older? Do they have a large deductible or excess amount you have to pay before they’ll begin to pay? Will they provide you with physical liability if you’re away from home? Are there exclusions (things they will not cover)? These are all things you need to check out before purchasing your pet insurance.
Ways to Save Money on Pet Insurance
- Shop around for the best pet insurance for your money.
- Insure your pet when it’s young as start up insurance is more costly for older pets.
- Check for special rates is you apply online.
- Check with your home or auto insurance for possible discounts if they also offer pet insurance.
- Don’t drop one policy until you’ve found one that’s less expensive with the same or better coverage.