Pet Insurance

Equine Insurance – Don’t Horse Around

Riding is a wonderful sport and hobby, trotting out in the open air with a trusted friend. Galloping alone or with others is an excellent way to relax, stay fit, enjoy the open air and countryside and indulge in one of the King’s sports but for every reason listed herein, an example is shown of why taking care of our new found friend with equine insurance is so important.

And not only the horse’s health either. When buying into a sport such as Horse Riding, you have to ensure you have everything in place before you make the final payment and arrange for delivery.

Where will you keep the horse, do you have stables nearby? who will maintain injections, have you chosen a vet? is all the paperwork secure, do you have enough financially to cater for all the horse’s requirements for the foreseeable future?

Then there’s the equipment, from saddle to reigns and stirrups to the horses hooves and don’t forget yourself either. Equine insurance doesn’t just cover the horse’s health, the rider too can be covered against accident and injury and for the horse you’re riding too. Yes, not unlike car insurance as a passenger you can cover the horse you’re riding even if it’s not your own.

As with any pet or animal and human relationship, the emphasis is on the animal and in this case the horse. Whether competing in sport for racing, hurdles, polo or simply a hobby and for leisure, equine insurance can meet your horse’s health needs long term and ten, fifteen and twenty years down the line.

So while you may have the stable sorted, all the equine accessories and suitable attire, the money to pay for feed and check ups and licenses, don’t horse around when it comes to your horse’s health, prepare for the unknown with equine insurance.

Is It Time To Buy Cat Cover Insurance?

Have you just added a kitten to your family? If so, you may wish to be taking your time to get to know the newest member of your family. No doubt your cat has already shown you who is in charge, and made it clear that you are a guest in their home! However being a pet owner brings as many responsibilities as it does pleasures. These vary but include feeding your kitten and making sure it remains healthy. But thinking more long term, you may want to consider buying cat insurance.

What is cat insurance for?

There are a number of expenses that cat cover insurance may cover. Different providers may vary according to the different risks they offer protection from. A typical policy might cover:

• vets bills. Vets are highly qualified, and could also be highly expensive. Policies differ in what they pay out for and the benefits covered so check any limits;
• expenses of cancelling a holiday because your cat needs life saving surgery in the time when you would have been away;
• compensation for your cat dying due to accident or illness;
• costs of promotion and reward due to a lost cat.

What may generally affect the price of cat cover?

The breed, age and general health of your cat may affect the price of the policy, in the same way that health insurance for a human being may be affected by their own medical background.

You may find that cover may not be available for a pre-existing medical conditions, and that vets bills may not be covered for the treatment of illnesses that crop up in the first few days of the cover. Some insurance companies may not accept claims for vets bills during the first six weeks of a cats life.

The benefits to check when looking for insurance for your cat?

When it comes to buying cat insurance protection, you may wish to read the small print just as carefully as you would with any other kind of cover. As with any insurance product, terms and conditions, exclusions and limitations will apply and you may wish to ensure you understand them.

For instance, if you took out the cat insurance with a view to reducing your vets bills, you may find that you still have to pay for routine visits to the vets for routine examinations and vaccinations. Likewise, when you buy cat insurance you may not get cover for standard dental check ups for your cat.

Lifetime Pet Insurance

More and more pet owners are finding themselves taking their responsibility a little bit more serious these days after finding out how much veterinary care can cost in the first few years of buying and bringing up a puppy or a kitten.

Although a lot of people tend to receive kittens from unwanted litters, that doesn’t mean the new owners are any less likely to wish to keep the new addition to their family for a very long time. In fact in most cases that £30 or free kitten from family or a friend, will be on your couch until the end of their life.

But while buying lifetime pet insurance is a growing trend and almost in fashion, there are still people who fail to realise the cost of vet bills can make a serious dent in their pocket should a cat or dog become ill and need surgery or medicine, additional care and check ups. Those bills soon start mounting up once a diagnosis is made.

A lifetime pet insurance plan, if bought at the outset, can save thousands over the average life of a pet dog or cat. With any number of diseases and medical ailments possible in any pet’s life, having instant access to a claim line and surgery will save pain and money in the long run.

You can gain the best from a lifetime pet insurance plan when your pet is first received and at an earlier age but it’s never too late! The best pet insurance offers an annual allocation of vet fees per ailment or surgery type, as well as guarding you as a pet owner against any third party liabilities, just in case your pet harms or damages another person or person’s property.

Your best friend has arrived, all cuddly and warm, you have dedicated yourself to a lifetime of feeding and caring for your new cat and dog… don’t fail to go the extra mile and see that they stay healthy and live to a ripe old age with the backing of a lifetime pet insurance plan with monthly premiums that may well save you thousands in the long run.

Pet Insurance And Human Insurance

As dogs and cats and a variety of others breeds in our animal kingdom, we find it hard on the pocket when our humans become ill as our normal pet insurance doesn’t include all the family. It may include our bothers and sisters, the budgie or the cats upstairs but Humans can’t be seen by veterinary surgeons when things go wrong.

The humans we live with can’t take us for a walk when ill. They can’t feed us, nor open doors so we can enjoy the sun or play in the snow so we have to drill it into ourselves to make sure we have the best human insurance possible to care for the ones we love and need in our daily lives.

Pet liability insurance is free on the state thanks to the AHS (Animal Health Service), at least mostly and in an emergency we just need to call 0800-CAT or 0800-DOG and an Animal Ambulance is dispatched.

But with our Humans we have to put them in a cage, stay hours at a vet and await being told how much it will cost for surgery or treatment. With adequate Human insurance in place that is akin to our very own pet insurance, we’ll never have to woof or meow at the cost of vet bills again as our monthly premiums will cover most of the work.

Human insurance is peace of mind for all cats and dogs that are fed daily, walked and cuddled by their human friends and family. Human insurance also sees us placed in the care of a temporary Human while our human is away, but more importantly when a life comes down to money, when a loved human is in pain, all we need to do is call the 24 hour human insurance claim line and all is catered for.

We wouldn’t think twice about getting pet insurance for ourselves and our little puppies and kittens, so it should only be natural that we cover for all eventualities and take care of our humans with the right Human insurance too.

Equine Insurance – Don’t Horse Around

Riding is a wonderful sport and hobby, trotting out in the open air with a trusted friend. Galloping alone or with others is an excellent way to relax, stay fit, enjoy the open air and countryside and indulge in one of the King’s sports but for every reason listed herein, an example is shown of why taking care of our new found friend with equine insurance is so important.

And not only the horse’s health either. When buying into a sport such as Horse Riding, you have to ensure you have everything in place before you make the final payment and arrange for delivery.

Where will you keep the horse, do you have stables nearby? who will maintain injections, have you chosen a vet? is all the paperwork secure, do you have enough financially to cater for all the horse’s requirements for the foreseeable future?

Then there’s the equipment, from saddle to reigns and stirrups to the horses hooves and don’t forget yourself either. Equine insurance doesn’t just cover the horse’s health, the rider too can be covered against accident and injury and for the horse you’re riding too. Yes, not unlike car insurance as a passenger you can cover the horse you’re riding even if it’s not your own.

As with any pet or animal and human relationship, the emphasis is on the animal and in this case the horse. Whether competing in sport for racing, hurdles, polo or simply a hobby and for leisure, equine insurance can meet your horse’s health needs long term and ten, fifteen and twenty years down the line.

So while you may have the stable sorted, all the equine accessories and suitable attire, the money to pay for feed and check ups and licenses, don’t horse around when it comes to your horse’s health, prepare for the unknown with equine insurance.

Pet Bird Insurance

Birds are one of Britain’s favourite pets. Whether it is the family budgerigar, a parrot or an exotic bird of prey, the value of these birds and the cost of their upkeep can be significant. With the cost of veterinary care and number of bird thefts on the increase, many people have turned to pet bird insurance to protect their beloved feathered friends.

Why should you consider bird insurance?

Pet bird insurance provides comprehensive insurance for your bird. Policies can be tailored to your specific needs and generally include cover for vets fees, equipment, aviaries and bird rooms, public liability and theft.
With vets fees often running into many hundreds of pounds, and equipment and aviaries also costing a significant amount, could you afford to meet the costs of these bills yourself in the event of anything happening to your bird?

Main benefits
Bird insurance policies have several main benefits.

1. Vets bills – The insurance covers the vet’s costs for necessary treatment following accident or illness.

2. Theft – The policy covers the value of your bird and also the costs involved in advertising for its return and a reward. (There must generally have been a forcible entry into your home to be able to claim under this cover.)

3. Equipment – cover is provided from accidental damage to aviaries or equipment caused by fire, theft or attempted theft, malicious damage, storm or flood.

4. Public liability – If you own a bird of prey, this cover ensures that you are protected against a claim from a third party for death, injury or damage to their property caused by the bird.

5. Attack – most policies include cover if your bird is attacked by vermin

Other factors to consider

If you have outside aviaries or bird keeping equipment, it may be worth contacting your home insurance provider to check whether these items are covered as ‘outbuildings’ under your home insurance policy. You may find that you can incorporate your bird rooms into your existing home insurance policy.

Pet bird insurance policies will generally not cover you in the event of your bird’s escape, unless it is as a result of theft or attempted theft or malicious damage to their aviary.

If you have a bird of prey, you may also be able to add ‘non return cover’ to your bird insurance for a small additional premium. This provides a payment in the event of the bird not returning to you when you are out flying it.