Why You Should Consider Pet Insurance For Your Family Pet

Want to consider the following pointers as to why you should consider pet insurance for your family pet:

- 1 in every 3 family pets will visit a vet this year for treatment
-  40 percent of all vet fees are caused by ‘unforeseen' illnesses or accidents
- less than 15 percent of family pets in the UK are covered by pet insurance
- the average vet bill for care and attention needed following a road accident involving a cat or dog last year was circa. £750 - £1,000
- 2 out of every 3 pet owners in the UK have admitted to having gone overdrawn at some time during their lives in order to pay for their pet's vet bills.

All of these are fairly scary statistics.  They're event more scary when you consider that will a simple family pet insurance policy, paying a minimum premium of somewhere between £25 and £75 (depending on the size of the pet), all of these are totally unnecessary.

If you want to get you pet insured and avoid any of these statistics happening to you, you can choose from:

Pet Accident Insurance

As the name suggests, with a pet accident insurance you are getting the basic minimum in pet insurance - accident coverage.  Under this policy the insurance company will reimburse you for all costs and expenses you incur caused as a result of your pet having been involved in an accident (unfortunately, more often than not, this means a road accident).

Pet Accident and Illness Insurance

With pet accident and illness insurance you get full coverage insurance; namely, your insurance company will agree to pay for all the costs and expenses incurred as a result of your family pet having suffered any illness or accident.

Excess Amount

One thing you do need to keep in mind when arranging your family pet insurance is the excess amount.  As with all insurance policies, the excess amount is the amount you and the insurance company agree you'll pay before you are entitled to claim against the insurance policy.  While it is always a good idea to set an excess amount that would cover you for any mundane visits to the vet, so as to keep the premium down if nothing else, you don't want to se the excess too high that you end up having to pay for care and attention you thought would be covered by the pet insurance policy.  It is, therefore, advisable that you have a look at some of your more recent vet bills and try and mind a medium between these sums so you have some idea of the excess before you set off arranging your family pet insurance

Joseph Kenny is the webmaster of the insurance site http://www.insure121.com/ where you will find information, news and links to the leading providers of pet insurance in the UK.