How Much Should I Feed My 4 Month Old Cat First Time Pet Owners – Pet Insurance

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First Time Pet Owners – Pet Insurance

When you buy a pet for the first time there is an awful lot of responsibility that comes with the new furry member of your family. You will have to account for additional ‘mouths to feed’, maintain patience and perseverance to properly train your cat or dog and allocate time to ensure that a pet is happy and healthy. Another very important topic that you will have to deal with is to secure your new companion. This article will discuss why pet insurance is so vital, what type of policy you should look for and where to look for it.

The main purpose of buying pet insurance is to make sure you are prepared for the unexpected. Once you have brought your new friend home, it will quickly become apparent that he or she is now part of your family and as such you will want to protect and care for them in the same way you would any other member of the your family There is only a certain amount of control, as a pet owner, that you can exercise over your companion’s well-being. Taking out an insurance policy will ensure that your friend is covered if he falls ill or becomes ill and you need to pay the vet’s fees. In addition to emergency coverage, many pet insurance policies cover ongoing medical conditions that your pet may develop and suffer from throughout their life. Having pet insurance for one of these scenarios will reduce the stress and anxiety that comes with facing veterinary bills that keep popping up.

With the rapidly growing pet insurance business there are over sixty vendors to choose from. It can be a perplexing process when comparing the policies of a certain provider with the policies of another. The important thing to note is that each policy will include different benefits. Most company policies will provide a level of cover for veterinary fees but what else should you look out for to make sure you get the best deal and also the best cover?

An imperative part of the policy you must decide on is whether to take a lifetime policy or a limited time policy. This is essential as time limited policies (usually lasting for 12 months) will only cover your cat or dog for that specific period of time. So if during these 12 months your pet develops a condition that continues such as arthritis or diabetes, then when this limited time is over you would not be covered by the insurance provider. Whole life policies are there to ensure that your cat or dog is covered for ongoing illnesses and any immediate injuries.

Equally important is whether a policy has public liability coverage. People refuse to buy pet insurance with the reasoning of putting money down each month rather than paying a monthly premium. What they do not realize is that if their dog caused an accident or injured someone then they would be responsible for all the costs incurred. This can sometimes be thousands of pounds and having a pet insurance policy with public liability coverage will ensure that you do not have to pay the compensation yourself.

Other questions that will need to be answered when deciding on a policy include:

1. Can you pay for your premium by direct debit over 12 months with 0% APR?

2. Will making a claim automatically increase the amount of premium you pay?

3. Does the insurance provider cover your pet for life or only at a certain age like 8 or 10?

4. Is a discount available to you if you take out a contract for more than one pet?

5. Does paying for a cheap introductory rate mean that premiums will stay low in your second year or will they rapidly increase?

There are two ways you can buy pet insurance. The first is to buy direct from a supplier through their website or over the phone. The second is using comparison websites such as compare the market, go compare, money super market and confused. There is no right or wrong way to buy your policy but comparison markets are great at finding you a good deal as they compare all the different policies from individual providers and apply them to your specific criteria.

As mentioned earlier in the article, each competing pet insurance company will have a certain set of benefits that come with a policy. Be sure to keep checking with this blog because there will be an article explaining our policy benefits in detail coming very soon.

To see our fantastic policies and more, go to our website which shows below every quote we make online we will donate 50p to an animal charity with the aim of donating a million pounds to animal charities by the end of 2012.

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