Things to know before purchasing your pet insurance

Many people find it confusing when it comes to pet insurance. They want to buy the insurance but are not sure if it is worth their cash. My answer may not be what you prefer. But familiarizing yourself with how pet insurance works is critical in choosing the right cover for your pet. If you have been having trouble when purchasing pet insurance, here are the things we thought you should know in time.

Pet insurance policies are different

When buying pet insurance, you should be careful. Carry out some research on the various types of pet insurance and their benefits before making a decision. Pet insurance policies vary, and they offer different benefit. Find out if your insurer will cover what you want.

Enrollment age

Before you purchase insurance from an insurance company, make sure you ask about their enrollment age. Pet insurers have an age limit for registration. You realize that your insurer has a different age for cats and another for dogs. If you keep different breeds, ensure you inquire about that is there might be a different range for particular breeds.


Exclusions are imperative to know but only with some companies that offer the option. For some companies, you have to buy the policy before they provide you with the list of exclusions. If your insurer gives you a list and you see something that you don’t prefer, you may choose to cancel the policy. Keep in mind exclusions are based on the pet’s previous history.

Insurer customer service

Often when you want to hire the services of a contractor, you take customer service response into consideration. The same case applies for your pet insurance. Find out if the insurance company’s customer service team responds promptly. A non-responsive company may not be a bad choice. Apart from that, ensure that the company responds and pays claims on time. A company with a good standing record is the best for your pet’s insurance.

Certain breed exclusions

If you are a purebred dog owner, then read this carefully. Many pet insurance policies exclude illnesses and certain conditions that are transmissible to particular breeds. This includes cancer and hip dysplasia in a giant breed and golden retriever respectively. It will be nice if you choose a pet insurance company that includes cover for hereditary conditions in purebreds.

Pet cover is not affordable for adult dogs

If you have a dog, then you probably know that older dogs are more likely to develop health conditions for example cancer, diabetes, and arthritis. His only means older dogs are expensive to cover. If you insure your dog when it is older, any-preexisting conditions may not be covered. So it is senseless financially to insure such a dog. But if you want to insure you middle-aged dog which doesn’t have any health issues, you might find an affordable policy him.


Choose your insurance company carefully. Making a wrong choice may be expensive for you. Buying insurance can be confusing, but we have made it easier for you.

Types of pet insurance you need to know

You must have heard about pet insurance because you once took your pet to the vet. But are you aware there are different types of pet insurance? If you have dogs and cats at home, it is necessary to know which type of pet insurance applies to your dog or cat. Additionally, having pet insurance can assist to cover for vet fees if your cat or dog gets sick. Below are the different types of pet insurance we thought you should know.

Accident insurance

This is the most affordable pet insurance you can purchase. The insurance covers injuries or harm which is as a result of an accident. The injuries may include traumatic ligament injury, snake bite toxicity, car accident, a bite wound caused by fighting with other animals, or a bone fracture. The cover has an annual benefit limit. The benefits of accident cover include:
Suitable for juvenile pets: If you have a young and moderately healthy cat or dog, an accident-only policy is your option.
You purchase for pet: Most insurers do not set an upper age limit for this insurance cover. You can hence take out accident coverage for your furry buddy regardless of the age.
Inexpensive: It is more affordable as compared to accident and illness cover or comprehensive insurance.

Complete coverage

This type of insurance for pets covers illnesses and injuries. It furthermore includes more yearly benefit limit to assist you to cover more costs. It also features a benefit for regular care processes for example heartworm prevention, microchipping, desexing, and vaccinations. Some of the benefits comprehensive pet insurance offers include:
Regular care: It covers a variety of regular vet expenses and therefore can help to lower your regular vet costs.
Ideal for high-risk breeds and older pets: These are those pets that may require conventional vet treatment and those that have high chances of developing health problems.
Maximum cover: If you are interested in getting maximum protection for your pet, then comprehensive coverage is your choice.

Accident and illness coverage

This type of pet policy covers all the injuries just like the accident-only cover. It also covers any vet bills that may come after your cat or dog is diagnosed with a disease. Accident and illness insurance policy covers diseases such as cancer, infectious ailments, ear infections, and skin conditions. The insurance offers higher yearly benefits limit as it provides coverage on a variety of expenses as compared to accident cover. Here is a reason why you should purchase this cover for your pet.
Perfect for high-risk breeds: Some dog breeds have a higher risk of developing some health conditions. An example of such breeds is the German Shepherds.
Provides cover for tick paralysis: This cover is suitable for people who have pets but live in regions with a high risk of tick paralysis.


When choosing a policy, ensure you are aware of its exclusions. Also, try to find out from your pet insurer if your dog or cat will be protected from any chronic diseases.

Reasons why you need pet insurance

We all know that medical insurance is critical. It saves you the costs of paying for the medical bills if you ever fall sick. But when it comes to the pets we keep at home, rarely do people care to buy insurance for their pets. If you are one of these people who neglect the pets through insurance, this article will give you the reason that will make you go for it right away. Here are the five reasons why you need to have insurance for your pets.

It is your responsibility

Before we say anything more, we want you to remember you are responsible for your cat or dog’s well-being. Just like you take responsibility for kids so should you do with your pets. They are part of the family too. This qualifies them for insurance. If they happen to get sick and you don’t have insurance, you will use your finances to over medication to them. As a loyal pet owner, you should ensure your pets are protected if you want them to live happy and healthy.

Pets too fall sick

If you are a dog or cat enthusiast, then you know that pets, like kids can get sick. In fact, they exhibit the same symptoms as humans such as diarrhea, vomiting or some other serious signs. The cats and dogs you keep at home can develop chronic conditions such as diabetes, allergies, and cancer. These conditions can be costly when using your finances to treat them, and that is why it is necessary to insure your pet.

Cats and dogs can get into accidents

Not a day that passes without hearing news about a road accident and people have died with others left with serious injuries. Even dogs and cats can be involved in accidents or get injured. Accidents do not have a particular place where they can occur so you can restrict your dog from going to that area. Injuries can happen anywhere anytime. Getting your pet insured can help to cut down the medical costs.

Makes vet bills affordable

Life is full of surprises, and you don’t know what will happen tomorrow. If you believe in savings rather than insuring your pet, then you better buy an insurance plan now. Your pet might need medical care when you least expect or at the time when you have no cash. It might happen when you do not have any savings left to cater for the vet bills. Pet insurance makes it easy for you to afford the vet costs when your dog needs medical attention the most.


Pets are part of the family, and that is why you should insure your dogs and cats. Insuring your pet means keeping them healthy and hence protecting your family as well. Insurance also helps you to protect your finances as you don’t have to use your money to treat them. Well, if you are a pet owner, now you have a reason to buy a cover and prolong the life of that dog.