Man's Best Friend is His Dog

From life insurance to home insurance, protecting what is precious to us is something everyone strives for throughout life.

However, one thing many people may not consider is protection for their finned, feathered or furry friends. Pet insurance is on the rise across the UK, with Britons spending in excess of £150 million each year on protection for their pets.

Finding the right pet insurance will ultimately depend not only on your species of animal, but the breed too. For instance, an independent cat that spends hours each day wandering alone getting up to who-knows-what is perhaps more likely to go missing than a canine that remains loyally by its master's side. For this reason, it would be prudent to ensure that advertising and reward costs are covered in a cat's insurance policy.

Similarly, if you're looking for some canine cover, then the premiums may vary in accordance with the manner of mutt. Research has shown that Rottweilliers were the most accident prone dog in the UK in 2009, with three in five requiring a trip to the vet. Boxers and Labradors are also no strangers to vets, but Poodles on the other hand have developed a reputation as being the least accident prone of canines, with only a fifth ending up on the treatment table.

Then there is the level of insurance which is required. Vets' bills can account for well over a third of the total cost of owning a pet, so a high level of cover may be a good option, especially with aging pets or animals that are prone to wandering off and getting up to mischief.

Some pet insurance policies will cover up to a certain amount for each illness/injury, but it may not include protection for long term cover. Long term cover is designed to cater for continuing costs of ongoing veterinary treatment ' so when you compare pet insurance policies, it's important to check the full terms of the cover.

Dogs don't like being away from their owners...and the same can probably be said of the reverse. For this reason, many people take their canines on holiday with them, but not all insurance policies will cover this. Premier policies may have higher premiums, but they also offer a much wider range of benefits, so don't always be swayed by price - the old adage that you only get what you pay for certainly rings true with pet insurance.

About the Author:
Janine Barclay writes for a digital marketing agency. This article has been commissioned by a client of said agency. This article is not designed to promote, but should be considered professional content.