This seems complete waste of money to some people however it could save you a lot of money. Particularly if your pet is likely to get injured or injure another pet, for example dogs. If your pet gets ill or attacks another you could be faced with a hefty bill therefore it would seem worthwhile to find the cheapest policy for you.

This seems complete waste of money to some people however it could save a lot of money. Particularly if your pet is likely to get injured or injure another pet, for example dogs. If your pet gets ill or attacks another you could be faced with a hefty bill therefore it would seem worthwhile to find the cheapest policy for you.

Factors which affects the price of your policy:

• The amount of excess you are prepared to pay i.e. the contribution towards the health care of your pet.

• The type of cover you purchase below are the offers available to you

  • Time capped cover: this is often the cheapest type of cover, for example, if your pet develops a condition such as diabetes you might be able to claim up to Ł2000 for the first year.

  • Financially capped cover: Also known as ‘lifelong cover’, this mean you are able to claim up to a certain amount for each condition. For example, if you purchase a financially capped cover for Ł4,000 and you may need to claim Ł2,000 for the first year and you are left to claim Ł2,000 in the second year. After this they payments for your pets’ treatments will be paid for by you.

  • Lifelong cover: this is considered the beat type of policy since it offers cover for every year for as long as your pet needs treatment. for example, if your pet has diabetes and you have a cover of Ł2,000 every year then you are able to claim this every year for the rest of your pets life.

Other factors you may wish to consider before purchasing a policy, some offer the following :

• The cost of advertising and reward to recover your pet should it go missing.
• The cost of looking after your pet if you have to stay in hospital.
• The purchase price of your pet if it is lost or passes away.
• The cost of your pet causing damage for which you are legally liable.

Finding the cheapest deal:

Firstly, Compare the prices, using comparison sites like this will help you find the cheapest deal with least hassle and least time.

Also consider the above factors such as: the excess, the type of cover, other benefits you wish to receive and always read the small print.