Ashcroft Vets

While most of us never think twice before you take out insurance - after all, it is not mandatory - it is surprising how many pet owners do not take out pet company.

However, you are three times more likely to need to make a claim on your insurance for pets (if you have it) from your insurance!

Many cats and dog owners see pet insurance as unnecessary, but every year one in three pets make an unannounced trip to the vet, which means that the owner will need to find the money to pay for treatment. These costs can literally hundreds - even thousands - of pounds.

For example, whereas 12 years, Timmy - a Bombay cat - was adopted from a local rescue the family Ashcroft, they had immediately checked by their vet and then took out insurance for pets at a cost of £ 10.85 per month.

Ms. Ashcroft wrote: "Having been a cat owner for many years, and knowing how the veterinary bills can mount, it seemed natural for Timmy. We are very pleased that we have today. Barely four months later, we took the insurance, a routine check up showed a heart murmur. Diagnostic tests to find out how serious the problem was, more drugs and ongoing visits to the vet we cost well over £ 700 in just one year.

"After that, further tests revealed a thyroid problem. Drugs, testing and operation of the following year cost us an extra £ 700-odd. Fortunately, our insurance covers most of these costs - we don ' had a £ 80 supplement payable. Timmy will take medication for the rest of his life and will need check-ups twice a year, and the insurance will pay for it. It is comforting to know that we can we afford to give him the best medical treatment and care for the rest of his life.

There are many insurance companies offer specialized insurance for your pet, rats, rabbits and reptiles in cats, dogs and horses at affordable prices. And while the coverage varies from provider to provider and depends on the type of pet you provide, as a basic rule, injuries and illnesses are covered. (It should be noted that preventive treatment such as vaccines or dental are not covered).

Whenever you ask for a separate injury or illness, you should expect to pay a surplus - a bit like your car or home insurance.

When choosing the right policy for you and your pet, keep in mind that if the concept is the same for all insurers, each with its own terms, conditions and criteria. The following should be considered:

aec Check that there is no limit on how long you can claim for each disease. For example, if your cat need tablets to control heart problems, or your dog suffers from arthritis, the problem will be monitored for the rest of their lives, not just a year or 24 months

aec Check that the disease is limited by the realistic - the processing time for a single disease can cost hundreds of pounds

aec Make sure your pet will still be covered later in life when they need it most. Some insurance policies end when an animal reaches a certain age

aec Watch for special discounts, such as those offered in the household multi-company, and for pensioners