The pros and cons of pet insurance

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 The pros and cons of pet insurance

Whether you have a dog or a cat, his health & well-being are your responsibility, and just like people, animals can fall ill or be the victim of an accident. With vet bills on the rise, a medical emergency can take its toll on family finances, which is why most pet owners take out some form of insurance for their four-legged family member, and in this article, we will look at the pros and cons of having your pet insured.

The pros and cons of pet insurance

Pet insurance: the pros

While most animals remain fit and healthy all their lives, things can change in an instant, and should your pet contract a serious illness or have a nasty accident, this could seriously drain your savings. Dealing with a leading provider such as Pet Insurance covers you in the event of major treatment, and the provider would have several packages to suit every budget.

  • Basic care – This lower cost policy would include any emergency medical treatment, plus it would cover a portion of regular care costs. This is ideal for the pet owner who only requires some emergency cover for their pet, and you are able to nominate your choice of vet whenever treatment is necessary. Choose an insurer that has a good name in the industry and they should have many online testimonials from satisfied clients, which is a great benchmark.
  • Comprehensive care – This policy would include all of the above, plus a portion of regular medical check-ups, it will also help with vaccinations, dog training and even in the event your pet had to be boarded for any reason. Many comprehensive policies also cover emergency expenses when you take your pet abroad, plus they will pay a percentage of the cost of chipping the animal.


Pet insurance: the cons

Of course, it could turn out that your pet goes through his entire life without incident, and if you had taken out comprehensive pet insurance from day one, that’s a lot of money you didn’t need to spend. It is easy to look back in hindsight, and as we do not know the future, it is very risky to ignore pet insurance, and in most cases, the policy holders do benefit in the long run by having their pet insured.

If, for example, you took out pet insurance with a company that, when you made a claim refused to pay out citing something in the small print, which often happens, then again it could feel like a waste of money. In order to avoid such a situation, you should always read the terms and conditions of any insurance policy before signing on the dotted line, and there are leading pet insurers that have rave reviews from their clients, so choose wisely and you should be fine.

Online solutions

Finding a good pet insurer is not difficult, simply search online and make sure you deal with a provider who has excellent online reviews from happy customers, and they would also have a range of packages to suit your requirements.

Your pet is an integral part of the family and therefore deserves to have some medical insurance, and should he ever require any emergency treatment, it won’t eat away at your savings. Some insurers will tailor the policy to suit the client, and there are even policies that will cover dog grooming and training expenses, which is really helpful.


At the end of the day, it is your choice, and by taking out a policy for your pet, you are financially covered should the need for emergency treatment ever arise.  You never know when your pet will fall ill or be involved in an accident, so it's usually better to be safe than sorry with an affordable pet insurance premium instead of a surprise bill for hundreds or even thousands of pounds.


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