A pet insurance plan is like a big, expensive shopping spree, so the key is to be ready to spend money.
Here are the essentials for any young mum buying a policy for their dog or cat.
What do you need to do?
You’ll need to register with your local council for pet insurance.
This is usually the first step, as it means the insurance company can offer you quotes from a range of insurers.
You may be asked to sign an agreement and give a written statement.
Your dog or kitten should be vaccinated before the policy begins.
This ensures you’ll get the most protection from the common diseases and other diseases, and helps to ensure your pet won’t suffer a severe health problem as a result.
You’ll also need to give the insurer details of your pet’s vaccination history, including how long it has been in the UK and whether the pet has been vaccinated.
Once the policy has been purchased, you’ll need insurance from one of the three insurance companies.
Your local council should also have this information, so that you can choose the right insurance for your pet.
You can buy a policy from any of the companies listed below, or from one insurer, but it’s best to do this on your own, so you can make sure you get the best coverage.
Some of the best insurance companies are:Insurance Company Price per claim (GBP) Coverages covered: 1,500KGp (£50) -1,500 KGp per year (5 years) 1,800KGg (£60) -2,000 Kg per year 4,000Kg ($80) -4,000 kG per year 8,000kG ($120) -10,000-25,000 per year50,000* -10 per cent* 50,000 -50 per cent -50% 50,500 -50 percent -50 to 60 per cent60 per cent to 80 per cent80 per centPlus for coverage, depending on the policyYou may also be able to get quotes from:Adults insurance companies have the option of offering higher rates to cover their pets, but they usually only cover small pets, with a premium of between 10 and 50 per cent.
If you’re planning to keep your pet as a pet, you might consider:If you live in an area with limited dog or cats, there’s a good chance you can get quotes for small animals from one or more of the following insurers:Adoption insurers have the same requirements for their policies, but you’ll have to buy them separately.
These insurers cover the same number of animals, and offer the same policies to you, but do have different rates.
They are typically the cheapest option for people who are looking to adopt a pet for the first time, as they have the lowest rates.
However, they usually cost more than their more established peers.
They will often have a small selection of puppies or kittens that are not fully vaccinated and should be considered for a premium, as the puppies and kittens can be at higher risk of infection.
A reputable insurer such as the UK’s National Pet Insurance scheme is also available.
This covers pets up to three years old.
You might also consider:The pet insurer in your area may have a range to choose from, depending upon your area.
They will cover the costs of vaccinations and health tests, but are not liable for any medical expenses, if your pet gets sick.
If your pet is sick, they may be entitled to extra insurance.
They may also cover your pet if you choose to pay their medical costs, but the extra money will not go towards your pet costs.
For more information about pet insurance please read our guide on pet insurance coverage.