Researching and buying pet insurance is probably the least exciting part of being a pet owner. But it is a very important piece of life admin.

Our pets are special members of our family, whether we have adopted a rescue animal or chosen a particular breed, so it makes sense to have the peace of mind that you have insurance to help protect them.

To get the best benefit of having pet insurance, we recommend reading the policy documents to ensure the cover offered is what you need.

Here are some other things we think are important to know or consider when choosing the best insurance for your pet:

  • Most insurers only cover cats and dogs. If you have another type of pet, you should look for specific insurance for that animal.
  • Dog insurance should include Third Party Liability cover, which covers your dog if it damages property or hurts or kills anybody.
  • There are different levels of cover limits you can choose. This means that there are maximum amounts that your pet insurer will pay out. Sometimes this maximum might apply to each condition or during a certain time period.
  • There are different types of pet insurance cover to choose from. For example, Accident Only (won’t cover illnesses), 12 Month cover (doesn’t cover fees that occur after 12 months since the condition is first treated) and Lifetime cover (still needs to be renewed every year to make sure your pet is covered for ongoing conditions).
  • Excesses will apply, and sometimes something called co-payment will also apply when your pet is over a certain age. These are when your insurer requires you to pay a certain amount towards to the vet bill. And remember, your pet insurance premium will increase as your pet gets older.
  • Routine veterinary visits or vaccinations aren’t usually covered by pet insurance.

Take a look at the different types of pet insurance we offer, provided by Legal & General, and see which one is the best for you and your pet.

Find out more about Asda Pet Insurance