Do you truly need Pet insurance?

Like health insurance and car insurance that will save ourselves financially in the event of a tragedy, pet insurance is designed to save pet owners from unforeseen costs related to your pet. Why do pet owners carry pet insurance? 100% of the pet owners reported that the reason is to cover veterinary bills when their furry friend gets hurt or sick.


But it does not mean that everyone needs to carry pet insurance. For some, it is such a perfect choice for their pets, while for others, it is likely an unnecessary expense. If you are thinking about buying pet insurance, it is advised to talk to your veterinarian as well as do some research by yourself to know how much pet insurance costs, what should be included in the best policies, how and where to find the best pet insurance deals available, and what the alternatives are!

Here are some of the basic considerations:

Is pet insurance worth it?

Your pets are not a human, but he/she still can get hurt or sick at a moment’s notice. According to a survey conducted in April 2017, the average pet insurance claim topped £750, up from £720 in 2015, but in a worse scenario, if your pet develops an on-going condition, expect claims run into the thousands.

Are you still wondering is it worth buying pet insurance? Consider how you would deal with an unexpected vet bill when your pets need cancer treatment or surgery!

With this in mind, as a pet lover, I definitely suggest you to buy pet insurance. But, before getting one, there are a few things to consider first.

Types of pet insurance cover 

Accident Only Cover – The most basic and cheapest type of insurance that offers cover for vet fees including harm or injuries caused by an accident but not diseases and illnesses. Tick, flea bites, and a pre-existing condition fall under its coverage. The lowest-budget option is thought to be perfect for a new pet with a clean bill of health check from the vet.

Annual: These time-limited pet insurance policies allow pet owners to choose another cheaper policy each year. These pre-existing conditions are also excluded from these policies.

Lifetime – the Comprehensive level of insurance: It is the most expensive yet most comprehensive type of cover when it comes to pet insurance. If you have aging dogs and cats, look no further than lifetime cover.


Pet owners have to pay premiums once a year during your pet’s life. And since there is no time limit on your claim, your insurance companies will have to keep providing some preventative health treatments, such as de-sexing, dental care, check-ups, vaccinations, cattery and kennel fees, worming treatments, overseas travel cover, and even behavioral therapy training classes regardless of age or any existing conditions.

Based on your veterinarian’s knowledge and experience, he/she can give you a piece of advice on which pet insurance company to choose and which type of plan to buy; but it is absolutely your own decision.

Things to be aware of in advance of buying pet insurance

 If you do not carefully research to know which plan you should choose, you could actually end up wasting so much money. To avoid this waste of money, think about your pet’s age, his pre-existing conditions, as well as his lifestyle.

Age of your pet 

Usually, any 8-week-old dog or cat can be insured. The older your pets are, the harder it is to find them suitable pet insurance. At the time you take your policies out, make sure to know well what the age limits are. Your veterinarian might not tell you exactly you should buy pet insurance or not. But, if you have decided to protect your pets in an emergency, then there is one thing to remember: the sooner your four-legged friends are covered, the longer, happier, and healthier life they will have. To save you from any nasty shocks, buying your closet friends a lifetime policy since they are young and in good health condition is the greatest way.

Common pet insurance exclusions 

Don’t expect your pet insurance to cover all circumstances and expenses. Their policy exclusions are designed to help pet owners keep premiums low.  Cover for veterinary costs when traveling overseas, treatment for an illness or a disease that should have been prevented by vaccination, burial or cremation cover, etc. are some typical optional extras.

How to reduce your pet insurance cost? 

Pet insurance is no doubt a meaningful gift for both you and your four-legged friends. But the veterinary care is incredibly rising in cost, the best and most affordable veterinary care is what all pet owners are looking for. In addition to buying your pet insurance as soon as possible, there are also several tips to save money on your policy cost.
  • The first and most important is to keep your pet fit and healthy. A healthy pet has a lower chance to need the treatment from a vet.
  • If you do not intend to breed, it is wise to consider having your pet neutered or spayed to avoid the risks associated with breeding and pregnancy.
  • Look out for multi-pet discounts in case you have got more than one pet to insure. 
When comparing pet insurance to choose which one best suited to your pets, don’t just focus on the premiums. What’s included in your policy is much more important.

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