What does pet insurance cover?

5th February 2019by Joanna White

Pet insurance can often be an incredibly expensive thing to pay for; however, it’s necessary if you want to ensure that your pet is fully covered and protected at all costs.

There are numerous things that pet insurance covers; from a plethora of vet fees, loss or death of your pet, liability cover, plus many other factors.

The guide below will tell you exactly what pet insurance does and does not cover.

What you need to know – what does pet insurance cover?

Just like with every other type of insurance, pet insurance ensures that it covers your pet for many different things. It’s important to ensure you obtain the right level of cover for your pet, so that it’s fully protected in every eventuality.

There are many things affecting the price of your pet insurance policy, including the age and breed of your pet as well as how much it originally cost when you bought it. Make sure you obtain cover that is suitable to your own pet.

The death of your pet

One thing that pet insurance covers is the cost of your pet if they die or if they must be put to sleep as a result of an accident or illness.

It will cover your pet’s purchase price and oftentimes an age limit will apply for this kind of cover; for example, if your pet is deemed as ‘old’ and has lived a fortunate life then this kind of cover might not apply.

Ofttimes, the cost of euthanasia is also included in your pet insurance policy.

Liability cover

This type of cover usually only applies to dogs and it involves covering the costs of paying for someone’s injuries or treatment or their property if it has been damaged by your pet.

The cost of which you’ll be covered for is dependent on the insurance provider so make sure to check with them how much you’ll be covered for in this event.

If someone decides to sue you due to injuries caused by your pet, and you’re taken to court, you could be faced with charges of hundreds of thousands of pounds. Therefore, it’s definitely a good idea to ensure your pet insurance policy covers you in this eventuality.

Loss and/or theft of your pet

Your pet insurance policy may cover the purchase price of your pet if they go missing or have been stolen. You may also be covered for any advertising costs required to try and find your pet, including any rewards set if someone finds it.

Veterinary fees

Of course, this covers a whole manner of different things including accidents, injuries, illnesses, physiotherapy and acupuncture.

Not every insurance provider will cover the cost of every veterinary fee, so ensure that you check with your provider when you take out the policy.

Boarding fees and holiday cover

This type of cover involves the cost of kennel and cattery fees if you must go into hospital in an emergency and your pet is required to go into boarding.

You may also be able to claim on your policy for vet fees faced while you’re abroad. It can also cover the likes of holiday cancellation if your pet is taken seriously ill and you’re required to fly home.

What is not covered

While there are many things that pet insurance does cover your pet for, unfortunately there are also numerous things that won’t be covered under your policy.

  • Dental treatment (in some cases)
  • Microchipping your pet
  • Pre-existing medical conditions
  • Pregnancy (in some cases)
  • Vaccinations
  • Neutering (in some cases)
  • Breeding complications

Even though the above aren’t always covered by your pet insurance provider, it doesn’t mean that it’s not worth having pet insurance. The cost of vet bills and medical treatments can often climb into the thousands, so it’s worth making sure you have comprehensive cover for your pet.

Conclusion – what does pet insurance cover?

Pet insurance may be a costly thing to pay for, but it also means that your pet is covered for a whole manner of things such as death, loss of pet as well as many veterinary bills and fees.

While it may be expensive, it’s nearly always worth having as the costs you’d have to pay for vet fees and bills if you didn’t have it would be extortionately higher. Consider exactly what your pet will be covered for when you take out your insurance policy, so that you’re not faced with any unexpected fees if you go to make a claim.