A survey published by Mintel recently revealed that 1 in 3 pets need an unplanned visit to the vet every year. So, the odds that you’ll be making a claim on your pet insurance  are higher than the chances of you claiming on your home & contents  policy or your motor insurance.

Pet health insurance is not a novel idea by any means. The concept has been around for 15-20 years.

Well, pet insurance plans come in 3 main guises: The value of the claim for each condition or event is capped The total annual payout cannot exceed a set amount; The payout per condition is limited and ceases to cover your pet after twelve months of treatment.  This is the cheapest option.

Species, age, pre-existing health conditions and lifestyle of the pet all determine if your dog can be insured or not.

So faced with all this choice what should you look out for?  Here’s 10 key questions to ask: 1. Are claims covered annually or on a “per condition” basis? 2. If the cover is “per condition”, what is the time limit? 3. What is the excess per claim?

Find out if your breed of pet is susceptible to any hereditary  condition and whether the plan will cover that. For dogs, you’ll find  information about hereditary conditions at the UK Kennel Club Site, and for cats try pet planet.

5. What is the $ limit on vets’ fees? 6. Does the insurance plan cover the cost of advertising and rewards if your pet is lost or stolen? 7. If you are in the hospital does the insurance cover kennel or cattery fees?

8. Is your dog covered for third-party liability?  9. If your pet has to have urgent surgery shortly before you are due to go on  holiday, will the plan pay your holiday cancellation costs? 10. – Does the plan make a payout if your pet dies?

Dog Health Insurance Cost Pet health insurance costs vary widely owing much to the broad variety of insurance packages available.