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Pet Insurance FAQ

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What does Pet Insurance mean?

Pet insurance is an insurance policy that covers your pets like cats and dogs against veterinary costs etc. The insurance company would pay you if your pet needs veterinary treatment, meets an accident, falls ill etc. UK Pet insurance companies also cover emergency expenses on kenneling, loss, travel and death of your pet.

What is the need of having a Pet insurance?

Majority of the people buy pet insurance in UK to cover themselves against the expensive veterinary bills. Pets are considered as a part of the family and hence many UK pet owners find themselves in a fix when they face a huge vet bill. By having a UK pet insurance policy, you can protect yourself against any financial stress in case your pet falls ill or sustains injury. It would also insure you against any expenses due to damage or injury to a third party by your pet. You can be sure that your pet would receive the best medical treatment available.

What would pet insurance in UK be used for?

Your UK pet insurance policy would pay you for any unplanned visits to the vets either due to illness or accident. The vet treatment costs are very high especially when you have to take X-rays etc. Your pet insurance can cover you for holiday cancellations, courts costs due to third party liability, advertising and costs for rewards in the event of loss of your pet.

What does third party liability in pet insurance mean?

In the UK, dog owners are held liable for their dogs. It means that they are responsible for the damages caused to others by their pet dog. If the dog causes an accident and the vehicle is damaged then the owner of the dog is responsible for the damages under the 1971 Animals Act. A UK pet insurance policy can cover the dog owner against such third party liability. This is known as third party liability insurance.

What are the other animals covered by UK pet insurance policy?

Most of the UK pet insurance companies cover only cats and dogs as a rule. However, there are some companies that cover other animals like exotic birds, reptiles and rodents. Some UK pet insurance companies also offer specialist insurance for horses known as Equine Insurance.

What types of UK pet insurance policies are available?

There are various types of UK pet insurance policies available in the offering different levels of cover. Normally the higher the level of cover, higher is the premium.