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Pets are not just animals you adopt in your home. They are considered as family,

Check the fine print before buying pet insurance

Having a pet can be one of the most pleasurable parts of your life. Cats, dogs, rabbits, fish or even snakes make the perfect companion. If your pet becomes ill, vet fees can be exorbitant. It’s therefore highly advisable to take out pet insurance which at first glance can be quite affordable. Always check the fine print before deciding which pet insurance company to go with as there are often clauses which often inflate the price.

Cats and dog

Take good care of your loyal friend

Pet owners take great pleasure in caring for their loyal friends. Puppies and kittens usually have to:-

  1. Have injections
  2. Be spayed
  3. Have beds, food and toys

Along with the above, there are vet bills to think of too. If your pet does become unwell, there’s nothing worse than seeing it suffer. Medical care for animals is the answer. Before buying pet insurance take some time out to read the small print that usually includes:-

  • Premiums
  • Deductibles
  • Exclusions
  • Different insurance plans

Pet insurance often has limits on treating animals that may be accident prone or suffer from a particular illness. Examination of your pet, congenital or hereditary conditions may not be included in the insurance cover.

Ensure there’s a simple pricing plan too. Always ask for a quote, although that does sound a little off putting especially if your pet is suffering.

Different types of cover

There are so many different types of insurance cover for pets that it’s often confusing for owners to understand everything in one reading. Some companies offer comprehensive wellness and routine checking coverage while others include emergency visits or call outs. It’s no good paying for an insurance policy that takes cash from one hand and even more from the other by not offering all the pet treatments needed under one umbrella.

Fine print on a pet insurance scheme sometimes excludes office visits and examination charges. If you do have to make a claim find out about annual limits on overall reimbursements on your particular policy. For pet owners on a tight budget there are affordable monthly payment plans with annual coverage limits if your pet has an accident.

Basic pet plans

A basic pet insurance plan is probably the best type to purchase. This will take care of any accidents or illnesses such as eye and ear infections. Vaccinations, hydrotherapy and even acupuncture could also be covered by some plans. Extra coverage for the cremation or burial of your pet is also a good idea to be included on your policy. It’s all a matter of you choosing the best insurance for you and your pet.

Find out about your options

Pet insurance options vary from insurer to insurer, so again spend some time doing a little research. The internet provides answers to any questions you may have about:-

a)      Considering the age of your pet when you buy pet insurance. Some plans cover animals from a young age until death, while others cut off the plan at a certain age.

b)      Waiting for the insurance plan to take effect. You could wait up to three weeks before you actually receive your policy.

c)       How much the insurance company will pay out each year or throughout the life of the pet insurance plan?

d)      The costs you have to pay every time you claim. Some companies increase the costs as your pet gets older.


Do take into account the breed of your pet. Some breeds tend to suffer from certain diseases and may not be treated under the terms and conditions of a particular pet insurance. While pet insurance is a good investment, make sure you read the fine print thoroughly.



Frank Berry is writing on a freelance basis for Pet Insurance Australia. From their name alone, you can tell that they are dedicated to providing the best coverage for your furry friends via their website

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