- In order to get the best quote to meet your individual requirements, you will need to think over a number of possibilities prior making a choice.
- In actual fact, that discounts and other incentives offered by insurers can make a great deal even better. If you don’t searching you will lose the chance to benefit from these deals.
- Keep in mind, that the cheapest policy will not necessary mean the best option, but at times it is, so you have to be sure to compare like for like when searching.
- If you need to pay for your cover monthly, the insurance provider will normally charge interest on the amount you owe over the course of the year, therefore be sure to compare the amount of interest each company will charge you.
2. Purchase only from an insurer of good reputation
- First of all, check that the pet insurance provider is registered with the Financial Services Association (FSA). If not, do not buy anything from the unregistered provider.
- If the insurance provider is registered, look through some reviews on the products they offer to get to know how others have found them.
- When you perform this, keep in mind that often people will only review a product if they have had a bad experience with the product or company.
- Besides, recommendations from family and friends will give you a good idea of how good the product or insurance provider actually is.
3. Think over the policy excess
- The excess is the sum you will have to pay out each time you make a claim for a certain condition from your pet insurance.
- Ensure you check how much you will have to pay per claim, as a policy may be cheaper because it has a higher excess.
- If this is the case, you are likely to be hit hard if and when it comes to making a claim.
- As a rule, excesses range from $25 to $65
4. Buy the insure from a young age of your pet
- Frequently, insurers will not provide cover for pets who are over eight years.
- That’s why it is best to insure your pet from as early as possible.
- If you insure a pet from a young age, the insurer will then continue providing cover for the life of the pet. Some pet insurers instead of full cover for life, provide time-capped or financially-capped cover, therefore be make sure to check the terms and conditions before you purchase.