Pet Insurance Tips

One in three pets in the UK require treatment for illness or injury each year, and advances in veterinary treatment mean that sick and injured pets can often be coaxed back to good health. This is good news for pets and their owners - until the vet's bill arrives.

Many people are now insuring their pets in case of illness or accidents, and not just pedigree breeds either. But before you sign on the dotted line, here's 10 questions you might want to consider:

• Does the policy provide adequate financial cover should you need to claim?
• Does the policy have an excess and, if so, how much is it?
• Does the policy offer lifelong cover?
• Are the claims limited in any way by time or by money?
• Does the policy offer third-party cover?
• Does the policy offer medical cover?
• Does the policy offer boarding cover?
• Is there a maximum amount the insurance company will pay out in one year for vet bills?
• If your pet goes missing or is stolen, will the policy cover the cost of advertising and/or a reward for their return?
• If your pet goes missing or is stolen and does not return or dies from injury or illness, will the insurance company refund the purchase price?