Pet Insurance - Compare the Cheapest Pet Insurance Policies Online

Tuesday, 09 February 2010

Compare Best Pet Insurance Policies for your Cats and Dogs

We have searched through the best pet insurance companies online and created the list below so you can compare pet insurance online to give you the best cover and cheapest pet insurance quotes on the internet.

Pets4Homes advises everyone with pets to consider taking out Pet Insurance as part of being a responsible pet owner. Many pet owners do not realise how expensive veterinary treatments can be and do not plan ahead financially. If your cats, dogs or other pets becomes ill unexpectedly or are involved in an accident, treatment can be a big drain on your savings. Up to 1 in 2 pets will need veterinary treatment this year and vet fees are increasing every year. The average UK vet bill is now over Ł300 with some more complex treatments such as hip dysplasia costing more than Ł4,000. Ongoing conditions could cost as much as Ł10,000. Could you easily afford these prices? If not, we advise you to take out dog insurance or cat insurance to protect your pet for a low monthly payment so you and your pets can be covered if the worst happens.

Pet Insurance - Dog Insurance - Cat Insurance Comparison Table

Online Discount	Pet Age Limit (?)	Max Vet Fees (?)	Vet Fees Excess (?)	Description	Rating / Quote
20%	None	Ł7000	Ł70 Dogs Ł50 Cats	M&S Pet Insurance Vet’s bills covered up to Ł7000 a year, with treatment as long as it’s needed provided you keep your policy renewed. You can also Save 5% for each additional pet you insure. Lifetime cover, providing you renew your policy each year and cover continues to be made available to you.	Get Quote
8 Weeks Free	11 Years	Ł6000	Ł80	Direct Line Insurance Additional 15% discount when insuring more than 1 pet. They cover your pet, per condition so there's no restriction on the number of times you can claim. Covers vet's fees up to Ł6,000 per condition.	Get Quote
0%	None	Ł6000	Ł49 or Ł99	Animal Friends Insurance Animal Friends Insurance is your ethical choice. All net profits help animal charities worldwide. 7 policy options offered from Accident Only from just Ł3.27 per month for dogs up to lifetime cover of Ł40,000 per condition for life so there's cover to suit every pocket from just 11p a day. Pets of any age can be insured and multiple pets get up to 10% discount too.	Get Quote
20%	None	Ł7500	Ł75	Sainsbury's Insurance Sainsbury's Pet Insurance allows you to choose the cover which suits your needs. Option 1 Covers the cost of vet's fees up to Ł3,000 per condition for a maximum of 12 months. Option 2 Covers the cost of vet's fees up to Ł7,500 per condition. You will also get a 20% online discount plus double Nectar points on Sainsbury's shopping for 2 years.	Get Quote
5%	None	Ł7000	Ł60	Argos Insurance Argos Cat Insurance and Dog Insurance, you can choose from three levels of cover depending on your needs and budget. Older pets vets fees are covered with NO maximum age limit. Up to Ł7,000 for vet's fees per incident. Save an extra 5% when you buy online.	Get Quote
20%	None	Ł7000	Ł70 Dogs Ł50 Cats	More Th>n Insurance MORE TH>N cat and dog insurance goes further to protect you and your pet. Theres no age limit on your pet and you will receive one year’s free membership of the Missing Pet Service provided by Keepsafe. You also get Ł600 towards kennel and cattery fees should you be hospitalised for over 4 days. Up to Ł7,000 vets fees cover for each and every new injury and illness.	Get Quote
10%	None	Ł6000	Ł60 Dogs Ł50 cats	Virgin Money Pet Insurance They offer 3 levels of affordable cover for your cat or dog, starting from just Ł4 a month. Get 5% off every other pet you insure with Virgin Money.	Get Quote
10%	None	Ł3000	Ł65 Dogs Ł55 cats	Churchill Insurance Prices start from just Ł5.00 a month for cats and Ł8.40 a month for dogs with Churchill pet insurance. Includes cover for vet fees, cover for lost or stolen pets, cover for emergency kennel or cattery fees and Monthly instalments at no additional charge.	Get Quote
0%	None	Ł5000	Ł75	Debenhams Insurance Debenhams Insurance cover starts from as little as Ł4.40 a month for cats, Ł6.28 for dogs and there are 3 levels of cover to choose from. Benefits include Cover for vet fees up to Ł5,000; Up to Ł750 towards advertising and reward costs should your pet go missing; Bereavement Counselling, should the worst happen; Pet Minder, where they will find you a registered pet minder to care for your pet while you're away from home.	Get Quote
5%	None	Ł6000	Ł50	Halifax Insurance Halifax Insurance offers continual cover. Pets can be covered from 8 weeks of age and there's no maximum age limit, with vet's fees covered for every year of the policy. Other benefits include holiday cancellation cover should anything happen to your pet and you can't go away.	Get Quote
10%	10 Years	Ł4000	Ł50	Pet Plan Insurance Get 10% off your first year’s premium on dog, cat and rabbit policies. Petplan have over 30 years experience of providing Pet Insurance. Time-limited or Life-time cover available.	Get Quote
5%	None	Ł5000	Ł75	Post Office Insurance Post Office Cat Insurance and Dog Insurance has cover for vet fees up to Ł5,000 per condition. No maximum age limit for vet fees cover. 5% discount for every additional pet you insure.	Get Quote
0%	8 Years	Ł6000	Ł50	Asda Insurance If your dog or cat is aged between 8 weeks and 8 years (or 8 weeks and 5 years in the case of some dog breeds) we can cover them. You can also add on extra options to suit your needs and budget, for example additional vet bill cover up to Ł3,500, third party liability or pet travel insurance.	Get Quote
10%	None	Ł7500	Ł75	Homebase Insurance Homebase Cat Insurance and Dog Insurance from only Ł4.78 for Cat Silver cover or Ł7.22 for Dog Silver cover. Will cover the cost of treating an injury or illness for up to Ł3000 (Silver cover) or Ł5000 (Gold cover).	Get Quote
1 Month Free	10 years	Ł6000	Ł60	Pet Protect Insurance All Policies provided are Lifelong. No time limits on treatments. They will keep paying for diagnosed conditions. They pay claims promptly and efficiently.	Get Quote

Further Pet Insurance Information

As well as just comparing the price of Pet Insurance for your pets and opting for the cheapest, its a good idea to also compare the level of cover you will be receiving and all the other details for each insurance company. We have described the main things which you should check when insuring your pets below.

Vet Fees

Vet Fees are the main reason every pet owner purchases cat or dog insurance. It can be very expensive to visit the vets if your pet needs treatment, but with a pet insurance policy, your vet fees (minus your excess) are paid by your insurance policy. Some insurance companies will pay the Vets directly, whilst over companies will require you to pay the vets upfront and then claim the money back using your policy. This also depends on the Vets you are using, as some vets require the money upfront whilst others will accept payment directly from the insurance company. You will need to check this with both your insurance company and your vets beforehand.

All insurance policies will also have a maximum limit to the amount they will pay out in vet fees each year and also the amount they will pay out per condition. For example your insurance policy may have a maximum of Ł6000 vet fees per year, but also have a maximum of Ł2000 per condition.

Pet Insurance Excess Fees

All insurance policies will include an excess fee on your policy, usually of around Ł50 or even more. Lets say your policy has an excess of Ł50, this means if you take your pet to the vets and the cost is Ł150, you will have to pay the first Ł50 whilst the insurance company will pay the rest (Ł100). Obviously the lower the excess, the better it is for yourself.

Lifetime Cover or Cover for Life

Lifetime cover insurance policies are often much more expensive than standard cover (for 12 months). They are designed for pet owners who are concerned about theirs pets developing a long term illness like eczema or arthiritis for example. As long as you continue to renew your insurance policiy each year, your pets illness will be covered each year, right until they reach old age. With a standard insurance policy, if your pet develops a long term illness, it would be covered for the first year, but then when you renew your policy, the illness would be treated as an existing illness and may not be covered by your policy.

Pet Age Limit

A few pet insurance companies have a maximum age limit for pets that they will insure. For example some companies may not provide cat insurance for a cat or dog insurance for a dog aged over 10 years old.

Additional Benefits

Many pet insurance companies also offer many other benefits which may be very useful for you and are worth looking at in more detail. Some companies for money for advertising and reward costs should your pet go missing, whilst others provide money towards kennel or cattery fees should you need to go in hospital.

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