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<title>Cheap Pet Insurance in 5 Steps</title>
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<h1>Cheap Pet Insurance in 5 Steps</h1>

Pet insurance is becoming increasingly popular in the UK but, do
you really need it?
Some pet owners self insure their pet by saving a regular
monthly amount instead of paying premiums to an insurance company.
If your pet requires treatment, there are funds available to pay
all or some of the cost. If you don't, the money just rolls up
gaining interest and is always yours.
In practice, self insuring your pet should only be considered in
limited circumstances and for pets that are unlikely to cause
injury or accident to others which could result in legal action.
For example, if a dog, directly or indirectly, injures another pet
or even a person, you could be faced with hefty vet or medical
bills at best. At worst you could be on the receiving end of court
action and substantial legal claim.
So, for most pet owners, insurance is a prudent choice but are
all pet insurance policies equal?

TOP TIPS FOR CHOOSING PET INSURANCE

<ol>
<li>Compare the price</li>
<li>Consider the policy excess</li>
<li>Are you protected by lifelong cover?</li>
<li>Look at other benefits</li>
<li>Read the small print</li>
</ol>

1. COMPARE THE PRICE
 Obviously, the cost of insuring your pet is an important
factor. But different insurers have different ways of pricing pet
insurance premiums, so always get a quote for your specific
circumstances to compare like with like.

2. CONSIDER THE EXCESS
 Pet insurance providers use a number of methods to save
themselves money when it comes to paying out claims. The main one
is to include a high excess on their policies.
The policy excess is the amount that you have to pay each time
you make a claim for a certain condition, so choosing a cheaper
product with a higher excess could actually end up costing you
money if you do need to claim.

3. ARE YOU PROTECTED WITH LIFELONG COVER
 You should check carefully what you are being offered by pet
insurers and understand clearly what they mean by "lifelong cover".
Understanding lifelong cover can be complicated, but here are a few
simple guidelines on the types of cover generally available...

Time limited cover
 Some plans will only cover a condition for the first year you
claim.
For Example: If your pet developed arthritis, you might be able
to claim up to &#163;2,000 for the first year's treatment, but no
more. You would then have to cover the cost of treatment every year
yourself, for the rest of your pet's life.

Financially limited cover
 Some insurers call their financially limited cover 'lifelong
cover'. In this case, an insurer will pay out each year, but only
up to a fixed total amount for each condition. After that, they
will stop paying out.
For Example: If your pet developed diabetes and you had a policy
that was financially capped at &#163;3,500, you may need to claim
&#163;2,000 in the first year. By year two, the amount you can
claim for treatment of the diabetes is now just &#163;1,500. After
this, you would have to pay for the treatment for the rest of your
pet's life.

Lifelong cover
 The best pet insurance is cover that pays for treatment up to
a certain amount, every year, for as long as your pet needs
treatment.
For Example: If your pet developed epilepsy and your policy
covered up to &#163;3,000 every year, you could claim for treatment
up to this limit each year for the rest of your pet's life.

4. LOOK AT OTHER BENEFITS
 Whilst cover for vets fee's is the key element of pet
insurance, most insurers offer a range of additional benefits.
These can include cover for:
<ul>
<li>The cost of advertising and reward to recover your pet if it
were to go missing;</li>
<li>The cost of looking after your pet if you have to stay in
hospital;</li>
<li>The original purchase price of your pet if it is lost or passes
away;</li>
<li>The cost of your pet causing damage for which you are legally
liable.</li>
</ul>
There are many other policy benefits available, so read through
the full list of cover benefits to make sure the insurance you have
is right for you.

5. READ THE SMALL PRINT
 All insurance plans have terms and conditions to make clear
what is covered and what is not. Some providers make this clearer
than others so be certain you are fully aware of how and when the
policy will or will not pay out.

<div>Author Info 
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<a target="_new" href="http://www.uk-insurance-index.co.uk/insurance/pet-insurance-1.html">
UK Pet Insurance Company Index</a> 
<a target="_new" href="http://www.uk-insurance-index.co.uk">http://www.uk-insurance-index.co.uk</a>
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