Where would you be without man's best friend? Hopefully you will never have to find out and your pet will be by your side for many years. However if the worst happens and your dog is sick or injured in an accident and you cannot afford to pay for medical attention you could have to have your pet put to sleep. By taking out dog insurance you could have peace of mind that this would never happen as the policy would pay towards any vets fees and provider protection for many more events.
The numerous advantages to taking out insurance
So we have worked out that a trip to the vets due to accident or sickness could see you out of pocket by a great deal of money, now what about other events?
What if you had booked a two week vacation to the Caribbean and a couple of days before your holiday your best friend becomes severely ill and its touch and go? The cancellation of your holiday could end up costing you thousands of pounds. Your dog insurance policy may cover up to so much of the costs of cancelling your trip, if not all of them. Insurance for your dog could provide you with third party liability insurance. This means that is your dog was to injure a third party or their property you would be able to claim on the policy towards any legal costs that came about. For instance your dog could cause an accident and you would be liable for the costs of having the car repaired. If your dog got lost or someone stole it the dog insurance policy would pay out towards advertising costs and a reward. You could have to go into hospital in need of medical attention and have to put your dog into kennels. The typical insurance policy for dogs would pay towards your dogs stay.What you need to know
When applying for insurance for your dog bear in mind that the insurance provider will ask for a certain amount of excess from you if you claim on the policy. This is the sum that you need to find out of your pocket and then the insurance provider takes over the rest of the claim. For instance if your excess is £50 and you take your dog to the vets and he/she receives treatment totalling £75, you would have the fifty to find and the insurance provider puts twenty five towards your claim.
Reading the small print of any dog insurance policy is essential as this is the part that tells you what is not included in the policy and any exclusion. For example you typically have to wait a certain period of time before claiming on a policy once you have taken it out. For example if you take out cover for your dog and the waiting period is 30 days, you cannot claim on the insurance if your dog has to have vets treatment one week after taking out the insurance policy.
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