Hi there,

The first thing to say is congratulate you in your research of pet insurance! I think you made the right choice, making sure you can look after your pet no matter what.

Anyhoo, the 1st thing you need to decide when choosing pet insurance is what you are looking for? i.e. cheap cover, comprehensive cover or something in between?

Not all pet insurance policies are the same, cover varies a lot between providers, whether in terms of how they pay claims or what kind of treatment you can claim for.

To wrap it up in a few points, I would say consider the following:

1. Type of cover: 12-month limited, per condition or lifetime. I added links there so you can read exactly what these means on my blog.

2. Vet fees level that you need (generally the bigger your dog the higher the vet fees)

3. What kind of treatments are covered: complementary treatments, clinical diet foods...?

4. What's the excess? Is it fixed or variable, does it change as your pet gets older?

5. Is a reputable company and do some other owners recommend it?


A few other things you need to be aware of:

1. If you dog has been treated for or shown any sign of an illness/condition, then you will have to disclose it when you buy your pet insurance policy. The condition will be classed as pre existing and will not be covered. Your pet will still be insured though but not for this.

2. Most policies have a waiting period (generally 10 or 14 days but up to 28 in some cases). This means you wont be able to claim for illnesses for the 1st 14 days, so get your cover ASAP.



That said, i hope this is helpful. There's plenty of more detailed information on my pet insurance blog. I'm sure you'll find the content useful.

If you have any questions, please just let me know.