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Pet Insurance - Types of Pet Insurance Cover
Searching for pet insurance can be a daunting task. There are so many different providers out there that offer pet insurance products and discounts when you sign up that, if you're not sure what you are looking for, trying to choose between them might become a time-consuming experience.
To simplify matters then it is helpful to understand what types of pet insurance cover are available, and what the difference is between them. On this page we hope to shed some light on this subject for you.
Essentially, when it comes down to it, all pet insurance may be divided into three types:
1) Life Long Cover
2) Per Condition Cover
3) Annual Cover
Compare Pet Insurance Policies
| Insurer | Online Discount | Multiple Pets Discount | Max Vets Fees | Policy Features | More Info |
|---|---|---|---|---|---|
 | 15% | 15% | £6000 | Vets fees of up to £6000 per condition with no time limit. Other benefits including pet reward, purchase price reimbursement if you lose your pet, pet boarding costs, holiday cancellation cover, third party liability and overseas travel cover. |  |
 | 10% | Unlimited | Vets fees from £3000 to unlimited per year depending on the cover option. Other benefits including pet reward, purchase price reimbursement if you lose your pet, pet boarding costs, holiday cancellation cover, complementary treatment and third party liability cover. |  | |
 | 15% | 15% | £7000 | Vets fees of up to £7000 per condition with no time limit. Other benefits including pet reward, purchase price reimbursement if you lose your pet, pet boarding costs, holiday cancellation cover, third party liability and overseas travel cover. |  |
 | 16% | 5% | £4000 | Get 12 months cover for the price of 10, only until end of May. Vets fees of up to £4000 per condition with no time limit. Other benefits including pet reward, purchase price reimbursement if you lose your pet, pet boarding costs, holiday cancellation cover, third party liability and overseas travel cover. |  |
 | 5% | 10% | £6000 | Vets fees of up to £6000 per condition with continuous cover for long term conditions. Other benefits including pet reward, purchase price reimbursement if you lose your pet, pet boarding costs, holiday cancellation cover, third party liability and overseas travel cover. |  |
 | 10% | £5000 | Vets fees of up to £5000 per condition with no time limit if on premier cover. Other benefits including pet reward, purchase price reimbursement if you lose your pet, pet boarding costs, holiday cancellation cover, third party liability and overseas travel cover. |  | |
 | 5% | 10% | £6000 | Vets fees of up to £6000 per condition with no time limit. Other benefits including pet reward, purchase price reimbursement if you lose your pet, pet boarding costs, holiday cancellation cover, third party liability and overseas travel cover. |  |
 | 5% | £3000 | Vets fees of up to £3000 per condition for 12 months. Other benefits including pet reward, purchase price reimbursement if you lose your pet, pet boarding costs, holiday cancellation cover, third party liability and overseas travel cover. |  |
Life Long Pet Insurance Cover
Life long cover insures your pet for the duration of its life. It is ongoing cover that is renewed annually, and is an all-encompassing policy in that it tends not to exclude cover for conditions that your pet has suffered from and / or for which you have claimed on the insurance in the past. So, for example, if you claimed on your insurance for veterinary treatment for arthritis last year, you'll still be eligible to put future claims in for the same condition. The number of times you can claim may in fact be unlimited, enabling you to give your animal the very best in veterinary care regardless of how much it costs. However, the amount for which you can claim is normally capped on an annual basis to the maximum amount stated in the policy.
Excess fees will of course apply to any claims made - and these fees can be quite high. Life long pet insurance is also the most expensive type of cover to maintain, the insurance premiums for it being the highest of the three options. But, you get what you pay for -- and with life long pet insurance cover you have a pretty comprehensive policy that will cover your pet for life.
Per Condition Pet Insurance Cover
Per condition cover is a more selective type of policy. Here you can customise your pet's insurance to include cover for specific illnesses, injuries and diseases. By being selective in the type of condition insured and the amount for which it is covered you can build a pet insurance policy that suits your pet and your budget.
Each condition chosen for the policy will have its own excess fee attached, as well as a maximum amount that can be claimed in any particular period - normally 12 months but some insurers do not place a time limit. So while your insurance premium may be cheaper there is the potential for cover to run out for ongoing treatment of long-term illnesses especially if restricted to 12 months.
Annual Pet Insurance Cover
Annual cover tends to be the cheapest but least flexible pet insurance option. It will cover treatments for illnesses, injury and disease for up to 12 months to a maximum pay out amount. At renewal cover is reset. It is therefore not suitable for insuring medium or long-term illnesses, but is the most economical way to cover off regular veterinary bills and ad-hoc treatments such as surgery and therapy for short-term conditions.
Pet Insurance Explained:
Overseas Pet Travel CoverThird Party Liability for Pets
Missing Pets Advertising and Reward
Pet Boarding Costs
Pet Purchase Price Reimbursement
Pet Insurance - Types of Cover
Pet Insurance Excess Fess
Multiple Pet Insurance
Pet Insurance - Holiday Cancellation Cover