Buyers Guide to Pet Insurance

Pet insurance plans can cover such eventualities as your pet having an accident, sickness, compensation for having to cancel your holiday, money for advertising or to pay a reward if your pet is lost or stolen.

The level of cover varies with each policy, but most provide cover for the following categories:

• Vet Fees
• Death Benefit
• Holiday Cancellation
• Boarding Fees
• Theft/Straying
• Advertising/Reward
• Third Party Liability
• Accidental Damage

You should always check the small print on your policy for exclusions as some things aren't covered, for example; the cost of treatment for any condition which occurred before the policy started, flea control, vaccinations or spaying and castration. There are also some types of dogs which cannot be insured, for example; racing dogs, guard dogs, working dogs or dogs registered under the Dangerous Dogs Act.