Pet Insurance from Insurance Central

  
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   Types of Pet Insurance

Types of Pet Insurance



There are generally three types of Pet Insurance Policies available:



Life Long Pet Insurance

This pet insurance is renewed every year and conditions which have arisen since taking out the insurance will continue to be covered. There are no exclusions placed on the insurance policy once the animal insurance is in place. Life long insurance may be divided into two parts:

  • Insurance that pays out a maximum amount every year for each condition claimed for. Excess will normally be deducted once a year for ongoing conditions and for each new condition claimed for.
  • Insurance which pays out a maximum amount each year for all conditions claimed for.

If the period claimed for spans two policy periods the excess may normally be deducted for each period. Some companies increase the premium and excess for older pets. The advantages are that both short term and long term treatment are covered. The disadvantages are that this type of insurance more expensive.

 

Individual Condition Pet Insurance

This pet insurance is renewed every year and the insurance policy will normally pay out a maximum amount for each condition and there is no time limit over which it can be claimed. The insurance policy excess may be deducted each year for ongoing conditions and new claims. If the time period claimed for spans two policy periods the excess may be deducted for each of these periods. Once the maximum amount has been claimed that specific condition will be excluded from further insurance cover. Some companies can increase the premium and excess for older pets. The advantage of this type of insurance is that it is less expensive than life long pet insurance and should cover most short term and medium term illnesses. The disadvantages are that you may run out of insurance cover for expensive long term veterinary treatment.

 

Annual Pet Insurance

This type of pet insurance is renewed every year and annual insurance cover can be divided into two categories:

  • The insurance policy will cover a condition for twelve months from the onset of that particular condition.
  • Some insurance policies may only cover the condition until the insurance renewal date.

The policy will pay out a maximum amount for each condition claimed for and any excess is deducted for each condition claimed for. If the period claimed for spans two policy periods an excess may be deducted for each of these periods. After twelve months any condition claimed for in the previous year will be excluded from the insurance cover. Once an insured pet reaches a certain age the insurance premium may rise and the policy excess will usually increase. The advantages of this type of pet insurance as that it is less expensive cover against accidents and short term illness. The disadvantages are that medium term and long term health problems are not covered. It is always worth remembering that any pet health problems claimed for will be excluded if you decide to upgrade your pet insurance cover.


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