Why do pets need insurance?

Rachel Greene-Taylor
Written by: Rachel Greene-Taylor
Posted on: 1 September 2015

Medical bills for emergency operations and long-term medical care can be picked up by the Animal NHS, right? Wrong. As the cost of vet's bills continue to rise, the need for pet insurance has never been greater.

Just like us humans, animals can get ill and have accidents. They can eat stones or poisonous plants in the garden, and pick up all kinds of internal and external parasites that demand the vet's attention. Unfortunately, this attention comes at a price.

The good news is that pet insurance provides cover for the treatment of medical conditions which can run into the hundreds, if not thousands, of pounds — and the insurance doesn't have to break the bank.

  • Vet and assistant treat injured dog
  • Vet and assistant treat injured dog

Pet insurance doesn't just provide cover for veterinary medicine, which is getting steadily more sophisticated and expensive, it can also cover you for other unforeseen circumstances. For example, if your dog causes damage to someone else’s property, then you'll be pleased you have third party liability cover.

It can also help with kennelling costs if you’re admitted to hospital, and even help pay towards advertising costs and a reward if your dog or cat goes missing.

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Things you need to know about Over 50s life insurance:
Premiums stop after your 90th birthday but you still enjoy cover for the rest of your life. In the first year, if you die from natural causes we will refund any premiums, or if you die as a result of an accident, we will pay your cash sum. After the first year regardless of the cause of death we will pay your cash sum. Depending on how long you live, the total sum paid in premiums may be more than the cash sum payable on death. If you stop paying your premiums before the end of your policy your cover will stop 30 days after your missed premium and you won’t get anything back. This isn’t a savings or investment product and has no cash value unless a valid claim is made. Inflation will reduce the buying power of your cash sum in the future.

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