‘’A pet is for life, not just for a pandemic’’, as the topically updated saying now goes. And how our lives during this troubling time would have been so much less rich and colourful without our beloved pets, whether they’re welcoming us home from work, wagging their tails appreciatively, or simply prowling the perimeters of our bed, waiting for our guard to be down so they can jump in.
But this lifelong commitment between pet and owner isn’t all plain sailing. Between the cuddles and companionship, there are also, sadly, moments of stress and worry regarding their health. In fact, it’s not only your pet’s health that becomes a concern; the cost of treating them can also cause a fair amount of worry, with the average cost of veterinary treatment for a dog in 2020 costing upwards of £1’400.
For peace of mind and protection, it’s therefore sensible to have all bases covered where your pet’s welfare and wellbeing is concerned; here are 6 reasons why getting pet insurance is essential in 2021.
PEACE OF MIND
Just like any other type of insurance, pet insurance is designed to provide you with peace of mind that if the worst were to happen, you’d be able to get the best care for your pet, no expenses spared.
Let’s put things mildly; pets can be pretty inquisitive, getting themselves into all kinds of scrapes and adventures. And though that spirit is something that we love about them, it can also get our pets into trouble if they eat something that they shouldn’t or injure themselves while satisfying their natural instincts to explore.
The truth is that no matter how hard you try to keep your pet safe, there’s always going to be a risk. As they say, ‘’if you love someone, set them free, but only if you’ve first got covered by insurance’’.
When you have the right pet insurance policy, it means that you don’t have to worry about dipping into your emergency fund or your holiday savings if your pet is sick or injured. And fortunately, there are quite a diverse range of pet insurance policies available to suit your animal’s unique needs.
In the UK, pet insurance generally covers any veterinary care, but some policies will also help if your pet gets lost or is stolen, or if the cheeky rascal damages yours or someone else’s property. The most popular type of pet insurance is a lifetime policy, which covers your pet indefinitely, but with limits placed annually.
Alternatively, you can choose your policy on a ‘per condition, per year cover’ basis. Here, claims are given a maximum amount owing to each medical condition or issue your pet suffers from (or causes). It’s worth mentioning that it can be quite rare for pet insurance to cover any pre-existing medical conditions your pet might be suffering from (more of that in a moment).
Finally, an ‘accident only’ policy is available, which doesn’t cover illnesses, but rather, only injuries sustained by your pet in the usual rough and tumble of the day.
PRE-EXISTING CONDITIONS COVERAGE
Though we mentioned that pre-existing conditions are rarely covered, there are some cases where this isn’t the case.
While a pre-existing health condition could lead to higher insurance premiums for your pet since their risk is higher, there are several companies that offer policies specially designed for pets who already have health problems or hereditary conditions.
If your pet has a pre-existing health condition, experts recommend getting them insured as early as possible; you can search for suitable pet insurance at quotezone.co.uk and compare pet insurance quotes by simply entering yours and your pet’s details to find companies that offer policies to suit.
VET BILLS ARE RISING
If you have had to take your pet to the vet recently, you might have noticed that the cost of check-ups and basic procedures is rising. What’s more, the cost of emergency visits, surgery and treatment for serious illnesses have reached record highs in recent years.
In fact, an emergency vet visit could set you back thousands of pounds if you don’t have insurance, which is why it’s so important to get a policy to protect you and your pet. If you don’t have insurance and cannot afford the vet bills, your pet will not be able to receive the medical care that they need – it’s just not worth the risk. Considering the average price of pet insurance in the UK is just £280 a year, it likely represents a worthwhile investment to get your pet covered.
COVER THIRD-PARTY LIABILITIES
Anyone with a hyperactive pet knows that they can cause some damage – seemingly without warning and certainly not deliberately – and the last thing you want is to be personally liable to pay damages if your pet causes havoc in a neighbour’s garden or bites a stranger while believing they need to protect you.
While you endeavour to organise training to correct these behaviours, in the meantime, pet insurance can be there to cover you financially if you end up having to pay out because of something that your pet has done.
HELP FIND A MISSING PET
An animal going missing is a nightmare for many pet owners, and can lead to sleepless nights aplenty. It does happen, however, and, as such, it’s best to be prepared for this eventuality.
Many pet insurance companies cover the cost of advertising your missing pet and letting people in your area know to look out for them, whether they have escaped the garden in a moment of misplaced confidence or have been stolen from you. Your pet insurance can also cover the cost of providing a financial reward to anybody who can reunite you with your pet to provide incentive to local people to be alert. Many pet insurance companies also work closely with pet tracking companies to provide clients with devices that you can use to track your pet’s location if they go missing. Now that’s peace of mind.
THE BOTTOM LINE
So many of us cherish our pets as a member of the family. But with the cost of vet bills on the rise, pet insurance is essential to ensure that your pet gets the care that they need, when they need it.
To keep your pup fit and healthy to mitigate those trips to the vet, check out our tips for falling back in love with dog walking. We’ll see you in the park!