Additional cover features included in pet policies range from fairly practical to somewhat redundant. You should always carefully consider whether you are likely to claim for a particular feature before acquiring a policy since the cost of covering these eventualities are customarily built into the premium.
Some policy features may suit specific types of pet or particular owners’ circumstances; you should make sure that a policy offers adequate cover for the things you really need without offering too much in the way of superfluous cover. For instance, cover for kennelling or cattery fees is only helpful if you regularly go on holiday without your pet; likewise foreign cover is pointless if you never take your pet out of the country. Decent cover for third party liability is certainly a sensible requirement if you own a large dog or potentially dangerous animal, but less so if you have a Chihuahua. Owners of expensive pedigree animals should make sure they will receive sufficient payouts in the event of theft, loss or death by illness or accident.
