Pet Insurance can seem daunting to new and seasoned pet owners alike. With so many different policies and companies to choose from, it can be confusing to know which is the right one for you and your pet. While this is a personal choice, we can help by providing you with a few things to consider:

  • ‘Do I want a lifetime or a 12month policy?’

    • 12month policies tend to come with a cheaper premium, however, they will only provide cover for your pet’s condition for the first 12months (or until a maximum amount has been reached, whichever comes first). This could mean that if your pet were to develop a lifelong condition, it would not be covered under your insurance policy after the first 12months. Lifetime policies will cover conditions for the life of your pet, as long as the policy is renewed each year without a break in the cover.

  • ‘How do I know if an insurance company is reliable or not?’

    • Do your research! Ask friends and family members who provides their pet’s cover and read reviews of companies online.

  • ‘How much should I be paying for my pet’s insurance?’

    • Get online or on the phone and compare prices of different companies for a similar policy. You may find that monthly premiums vary dramatically from company to company, and while you don’t want to be paying over the odds, it’s important to remember that if something seems too good to be true then it probably is!

  • ‘Can I change insurance companies?’

    • There is no obligation to stay with one insurance company for the entire life of your pet. However, please bear in mind that if you change your insurance company, any problems that your pet has been seen for previously will probably then be classed as a pre-existing condition, and therefore are unlikely to be covered by your new pet insurance provider.

  • ‘Do I even need pet insurance at all? I could just put some money aside each month.’

    • Pet Insurance is not a legal requirement and it is your choice whether you take a policy out for your pet or not. It may seem tempting to skip pet insurance altogether and budget for your pet’s health yourself. Before you decide to do this, make sure that you have thought honestly about how much you would be able to afford if your pet were to fall ill. As pets get older they become more prone to problems such as arthritis or diabetes, which could become costly each month. Also, if you decide to start putting some money aside each month instead of taking out pet insurance, would you be able to afford the surgery for your puppy if he were to break his leg within the first couple of months of having him?

While pet insurance is something that we all hope we never have to use, if you ever do need to put in a claim, you want to be safe in the knowledge that your pet is covered by a reliable company under a comprehensive policy. If you have any questions or concerns regarding pet insurance, please do not hesitate to speak to a member of the Lime Trees team.