Paying veterinary bills for a sick pet can cost you hundreds or even thousands of pounds.
It’s a serious problem, especially in a cost-of-living crisis. Pet insurance can act as an important lifeline for four-legged friends.
Here’s how to get a policy without paying for the land. . .
Choose your policy: There are different levels of pet coverage.
More comprehensive policies offer higher premiums for different conditions and are more expensive.
Basic coverage is more affordable even if you have limits on medical payments.
Read tips to save more money
Too muchOpting for higher returns can help lower insurance costs. The downside is that if you need to make a claim, you have a higher price to meet.
Keeping money to cover this excess in an easily accessible savings account is one way to offset the risk.
Shop around: Find the best deal on policies using comparison sites – many have special offers with insurers so it’s worth checking out.
Try GoCompare and compare the market.
Exercising energy: Once you have a policy, shop through the cashback app or website to get cash back.
Even when shopping on a comparison site, sites like Quidco or TopCashback can click for cashback.
Pre-existing conditionsInsurers often do not pay for medical treatment for conditions your pet had before the policy was issued.
Older pets are also more difficult to insure.
If your cat or dog is elderly or has an ongoing illness, it may be best to stick with the current policy.
A helping handIf you find your pet needs treatment that you cannot afford, PDSA or Blue Cross can help.
The charities help some owners’ vulnerable pets – to qualify you usually need to receive benefits and live near their hospitals or clinics. Check eligibility at pdsa.org.uk and bluecross.org.uk.
- All prices on the page are correct at the time of installation. Offers and discounts are subject to availability.
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