- Buy over the internet when possible as most providers offer discounts to online customers.
- Many insurance providers also offer discounts to customers insuring multiple pets.
- Owners of expensive pedigree pets should make sure they are adequately covered in the event of theft, loss or death of their animal.
- Make sure you understand how a policy’s vet expense cover works as there are a number of significantly different systems used by insurance providers.
- Be wary of false ‘lifetime’ pet insurance policies.
- Be honest about any pre-existing medical conditions when applying for a policy: it will make a policy premium more expensive but an insurance company will invalidate any claims if they have doubts as to whether your pet had an existing condition.
- Always be aware that the more things that are covered by a policy, the more you will pay. So when possible try to buy a policy that covers only the eventualities for which you are likely to claim.
- Most high street pet insurance providers only offer policies for cats and dogs. Some of the larger companies do offer insurance for horses and birds, but owners of other types of pets will probably have to seek out specialist providers (e.g. Exotic Direct).
