Payingtoomuch.com provides pet insurance

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Payingtoomuch.com, the price comparison site for consumers, has added pet insurance to its website.

“As with all insurance, it is always important to read the terms and conditions of the insurance provider and their policy wording carefully before purchasing.”

The pet insurance comparison tool includes comparing premiums against vet fees, various cover types and excesses, as well as other important details such as third party and death cover. Certain policies will also cover the costs associated with finding the pet should it become missing.

There are four main levels of pet insurance available:

  •     Comprehensive cover
  •     Maximum benefit cover
  •     Time limited cover
  •     Accident only cover

See notes to editors for more detail.

For example, a three year old, female, moggy cat, spayed, micro chipped and all vaccinations up to date: Accident only cover with £10,000 vets fees and a £99 excess, monthly premium would be £3.60 or £43.20 per annum. The Maximum Benefit cover with £7,500 vets fees and a £85 excess, £1 million third party liability cover, £500 accidental damage cover and £1000 death benefit, monthly premium would be £5.28 or £63.40 per annum.

A four year old, male, mixed breed dog, neutered, micro chipped, all vaccinations up to date: Accident only cover, £10,000 vets fees and a £99 excess, monthly premium would be £3.86 or £46.32 per annum. Maximum Benefit cover, £7,500 vets fees and a £85 excess, £1 million third party liability cover, £500 accidental damage cover and £1000 death benefit, monthly premium would be £16.99 or £203.84 per annum.

Additional quotes with further options are available on request.

Beth Macer from payingtoomuch said, “In the UK, it is estimated that 23 per cent of households have at least one dog, and 19 per cent of households have at least one cat, so pet insurance is becoming increasingly an important policy for many people, particularly with vet bills.

“There are two main factors that need to be taken into account when buying pet insurance. First, ensure you have a policy to suit your requirements, and second, be aware of third party liability cover, which helps protect against legal liability costs (including legal costs) should your pet cause damage or injury to a third party person or their property. The important thing to remember about third party cover is that it is only applicable to dogs/dog owners - there is no cover available for cats under this part of a policy.

“As with all insurance, it is always important to read the terms and conditions of the insurance provider and their policy wording carefully before purchasing.”

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