Dog Insurance

Do I really need to insure my dog?

A question I am sure many of us have asked ourselves. For me personally, it is peace of mind, knowing that I will be able to afford the vet fees, for a relatively small premium per month. If your dog comes from a dog rescue centre you may get a period of free insurance, included in the cost of your dog. Also with rescue dogs you don’t always know their history. What happens if your dog attacks a child? Does your Border Collie attack bikes, or anything moving quickly and noisily for that matter.

Dog insurance varies considerably in premiums, cover and excess charges. Most companies offer two or three tier dog insurance cover, with varying levels of cover and excess. charges. Apart from a time limited cover which has an upper limit of vet’s fees per condition, per insurance period, a lifetime cover, mostly used for pedigree dogs, will insure vets fees for a long term illness. You can usually get a discount on a second policy and offers of free periods of insurance when renewing a policy.

The main areas of dog insurance cover are listed below. This is only a general guide to dog insurance and a search on the Internet will quickly reveal the wide range of policies and prices out there.

	Vetinary Fees
	Third Party Liability
	Accidental Damage
	Advertising and Reward Fees
	Theft and Loss
	Complementary Treatment
	Death Benefit
	Boarding / Kennel Fees if you are unwell
	Holiday Cover and Emergency Repatriation
	Holiday Cancellation