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As veterinary costs are rising, it could cost a fortune
to treat your dog if they became ill. This is why it is best
to compare prices and get the best dog insurance deal.
Why you need dog insurance
From the trauma of seeing your dog in a poor state to the potentially eye-watering cost of treatment, having a dog that is ill or injured can be extremely stressful. There’s no free health service for dogs, and a broken leg can set you back as much as £1,200.
You can cover the cost without breaking the bank by having a pet insurance policy in place. Given that some breeds are susceptible to conditions that can cost a small fortune, this form of cover can prove to be invaluable.
Types of dog insurance policies
There are various types of dog insurance policies on offer. As a first step, consider the amount of cover you’re likely to need, and compare policies to see what’s on offer. If you have a dog that you know is prone to health problems, you’ll want to opt for a policy that will cover their needs.
Lifetime cover: These tend to be the most comprehensive types of policy, as they pay out for conditions over the dog’s lifetime. This will cover for long-standing and recurring illnesses, so if you know your dog is at risk of developing one, this could be the right policy for you.
Per condition per year lifetime cover: This provides a maximum cover limit per condition, which resets each year. You can claim for more than one condition per year – which covers your dog for a particular amount for each illness.
Annual cover: This provides a maximum overall cover limit each year. This can be less expensive and cover short-term accidents and illnesses.
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The type of policy that’s right for you will depend on what breed of dog you have, along with their age and other factors - and the price you’re happy to pay.
It’s important to compare dog insurance policies to see what different insurers have to offer – and make sure you don’t pay more than you need, although it’s not always worth opting for cheap pet insurance for dogs. You also want to make sure you’re not under-insured, risking you being unable to meet vet bills to get your canine friend on the road to recovery.
You can compare dog insurance quotes and policies for other pets on our pet insurance channel. It's free, quick and simple to use, meaning you could get your precious pooch covered in minutes. For more information about pet insurance policies, read our pet insurance guide.
Dog insurance exclusions
There are some things that pet insurers won’t cover your canine companions for. For example, some of these general exclusions may include:
• Any dog that should be listed in the Dangerous Dogs Act 1991/7.
• Working dogs.
• Pre-existing conditions.
• Puppies under eight weeks old.
• Some general treatments, such as worming and flea control.
Also, insurers may not pay out or cover certain illnesses or ailments. For example, under some policies a routine spay won’t be covered – so check the wording carefully so you know where you stand.
Aside from covering vet bills, insurance for your dog also includes other benefits. For example, your pooch will have personal liability cover, so if they cause an accident and the driver sues, for example, you won’t be liable for the cost.