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Should I Insure My Dog? A Guide To Dog Insurance

Should I Insure My Dog? A Guide To Dog Insurance

Getting insurance for your dog is a crucial thing that all dog owners should do. A lot of people think that it is unnecessary monthly cost, but it can actually save you a lot of money in the long run and can also help protect your dog.

This small guide has been put together to help you find out what kind of pet insurance you will need for your pooch.

Should I insure my dog?

Dog insurance is not the cheapest thing you will find yourself purchasing. It is very tempting to skip paying the monthly cost and deciding to deal with any consequences as they occur, but this can actually cost you a lot more.

So yes, you should get insurance for your dog, but the type and level of cover you get depends on both your pet and your circumstances.

What Type Of Cover Should I Get?

Accident Only Cover

This type of insurance is pretty self-explanatory. This is usually the cheapest option as it only covers accidents, such as broken bones from a fall. This does not cover any current medical conditions that your dog has and if they develop a long-time medical condition, this type of insurance will not cover it.

If you have a pure breed that is likely to develop a condition, such as a pug that is likely to develop heart problems later in their life, then this type of insurance is not the most suitable for you or your pooch.

Maximum Benefit Cover

This type of insurance allows you to claim up to a certain amount, usually around £5000, of costs for a certain medical condition. If your dog is one that is likely to come down with a persisting medical condition, such as a Dalmatian that can develop common liver problems, this may be the best type of cover as it allows you to claim for the same condition over and over. However, there is a limit to cost and it is slightly more expensive than your accident only cover.

Lifetime Policies

This is the type of insurance that most people get for their pooch, but it is also the most expensive type of cover. By claiming this type of insurance, you will agree a set amount of cover for your pet’s lifetime.

This cover can be up to £10,000 and this is a yearly cover amount. Meaning that this amount will renew every year so if you can afford this type of insurance and are worrying about anything that may befall your dog, this will be the best type of cover for you.

Can I Add Additional Cover?

Yes, you can add certain types of additional cover to your pet insurance. This will of course depend on the type of cover that you have and where you are purchasing your pet insurance from. The additional cover can include Loss Cover, Loss and Found Cover and Overseas Travel Cover. Loss Cover will cover the costs of having to put down your dog in the unfortunate event that it is required.

Loss and Found Cover will help fund the costs of advertising your pet in the event that is goes missing. Some of these will also help cover the cost of a reward for your dog. Overseas Travel Cover will cover your vet bills in the case that your pet becomes injured or ill when you are abroad.

Some covers will automatically include these additional covers when providing you with a quote so double check and make sure that you are only paying for the additional cover that you require.  

Where Should I Get My Insurance From?

Where you purchase your insurance from is largely up to you. There are a lot of online comparison websites wherein you can input information about yourself and your pet and it will compare the costs and types of pet insurance that will apply for your dog.

It is important to do your research when you are choosing where to get your insurance from, make sure to read all of the exclusions that apply as a lot of insurance companies will not cover certain conditions. Where possible, you should also get insurance for your pet as early as you can.

Trying to get insurance for an older dog is more difficult and also more expensive. Waiting to insure your pet will also increase the chances of your dog developing a long-term condition and most insurance policies do not provide cover for pre-existing medical conditions.

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