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In Great Britan one in two of every house has a pet, but fewer than 20% have taken out pet insurance to cover veterinary fees.If you are a pet owner without insurance, If you own a guinea pig, chinchilla or rabbit you can obtaincover with Pet Protect. But if you own a somewhat more unusual pet,  Exotic Direct offers individually-priced insurance for creatures ranging from tarantulas, pythons,monkeys to Vietnamese pot-bellied pigs. Almost anything!Almost anything could be insured.

When you insure your pet, the cost will determined by the type of  pet, its age and pedigree, the level of cover, your address and the insurance company. As a general rule pedigree breeds are usually more costly to insure than ordinary or mongrel animals. The reason being that pedigree breeds have a tendancy to be less healthy and can live shorter lives.

You will probably have to pay more if you reside in a town or city. Vets fees are higher than the national average in places like London and the south-east, therefore cover can cost more. However. premiums can still be tolerable, starting a cost of £6 a month for a dog and 4 pounds 35 pence a month for a cat.

But be careful of incredibly cheap premiums. The levels of cover vary extensively between policies and therefore you pay for what you get. So shop around and carefully study the levels of cover offered before you purchase.

Veterinary costs are a significant part of the cover.  So really you should obtain a policy that covers you for more than a few1,000 pounds worth of veterinary expenses per annum. The policy should include hospitalisation, surgery and treatment following illness or accident.
Dog owners should also look for plans which offer third-party liability cover. Some policies give 1 million pounds cover and some can go as high as 2 million. This covers injury or damage or harm your dog may wreak onpeople or property. Remember,you are legally liable if, say, your dog attacks the  postman. Cat owners can rest easy when it comes to third party liability because they are not legally responsible for their cats actions.
An insurance policy will rarely cover a pet in the first eight week of life or as they become elderly. Most, but not all, polices refuse to accept dogs older than 8 or nine years and cats older than ten. But if you already have cover when your pet becomes that age, your insurer should continue to offer protection, but you can expect your premiums to increase significantly.

With many insurance policies, you will have to pay an excess of up to 50 pounds per claim. But with some policies this rises for elderley pets.

All pet plans will exclude any medical problem that already exists when you first take a policy out. But a few will also restrict the payment of a continuing claim to one year. Therefore, if your pet requires a long treatment for eczema, diabetes, or arthritis, for example, after the 1st year you will have to foot the bill entirely yourself. There are some plans that will meet continuing claims, so look out for those but their premiums will be more expensive

Be sure to remember that it is important to keep your pets vaccinations up to date. Your insurance will not reimburse for an illness that could have been prevented by inoculation.

Well then is pet insurance worth it? We think so.We certainly think so.You may be lucky and have a pet that remains fit and healthy up and till the last, but this is very unlikely. On a third of all plans the average is a claim each year. And the vets bills can run into thousands. You pay your money and you evade any risks!|

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