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Types Of pet Insurance

There are different types of pet insurance and it is important to choose the right type for your pet’s needs.

If you want to financially protect your furry creatures from injuries and illnesses and take good care of them, you can consider pet insurance.

There are three types of pet insurance:

  • Accident only
  • Accident and illness
  • Comprehensive cover

Learn more about it below.

Accident Only Cover

What it covers

Accident insurance only covers damage or injury caused by an accident. Make sure your pet is affected by common claims such as broken bones in a car accident, scratches when fighting other dogs or cats, and snake bites.

What it doesn’t cover

Pet owners should be aware that the policy may not pay for all types of accidents. For example, tick and flea bites cannot be covered.

Another common exclusion is injury from an existing condition. So if your Labrador just came back from the vet because of a dislocated hip and made him clumsier than usual, he wouldn’t be insured if he stumbled again and injured his hip or any other part of his body.

Who it suits

Accident-only guidelines may be appropriate for a new pet that has a veterinarian’s own health declaration.

If you know that regular vaccinations, desexualization and the microchip in puppies and kittens don’t cost too much, a young animal may only be suitable for accident insurance. Young, healthy animals are often suitable for basic care because they usually only need to see the vet in the event of accidents and annual check-ups.

Accident & Illness Cover

What it covers

Accident and health insurance covers the above-mentioned accidents and also covers diseases or illnesses that have been diagnosed by a veterinarian. Examples of the coverage available are cancer, infectious diseases, hereditary diseases and, skin diseases.

What it doesn’t cover

Pet owners should be aware that this coverage level also has frequent exclusions, including pre-existing illnesses and diseases for which there is a known vaccine. Always check whether the policy you are considering covers your pet for chronic, recurring, or life-long illnesses before you renew your policy or change providers.

Who it suits

Accident and disease guidelines can be a suitable type for pet breeds that usually have health problems. Certain dog breeds are more susceptible to certain health problems. For example, bulldogs often have breathing problems; German shepherd dogs often suffer from hip dysplasia; Labradors are often prone to obesity without proper nutrition and exercise control.

Owners of these breeds may want to ask themselves whether full coverage would give them the assurance that insurance will help them cover veterinary bills when these problems arise.

Accident, Illness and Routine Care

What it covers

Accidents, illnesses and, routine care, also known as full insurance, not only cover the above-mentioned accidents and illnesses but also include an insurance component for routine care. This gives pets access to certain preventive health treatments such as vaccinations, deworming, desexualization, dental care, and even behavioral therapy training.

What it doesn’t cover

Although accidents, illnesses, and routine grooming cover your pet for many illnesses, there are still some common exclusions that you can find in the guidelines:

  • Abuse: your policy may be void if there is evidence of animal abuse or neglect
  • Pre-existing conditions: as mentioned before, anything your pet has suffered before the waiting period or commencing cover may not be covered
  • Complex surgeries like organ transplants 
  • Ambulance costs 
  • Artificial limbs/prosthetics 
Who it suits

Comprehensive guidelines may be better suited for aging cats and dogs, as they tend to develop age-related diseases and become more susceptible to injury. However, some insurers have age limits for buying insurance coverage. For example, some suppliers will not cover the Great Danes when they are 5 years old. It is therefore worth checking to what age your cat or dog is best insured.

In addition, extensive guidelines may be suitable for pets whose breed is particularly sensitive to certain health conditions.