Pet Insurance: do you need it?

Pet Insurance: do you need it?


What is Pet Insurance?

Pet insurance helps cover veterinary treatment costs if a pet becomes sick or injured. Pet insurers typically pay if a pet dies, is lost, stolen, harms someone, or damages property. When there are so many pet insurance companies, it may be confusing to choose the right one for you. You may check BritainReviews that provides customer feedback for pet insurance companies. Real opinions and experiences of people will help you decide which pet insurance company provides the right coverage for your beloved pet.

To begin with, pet insurance is a safety net that protects you from unexpected costs for your pet. The most obvious reason to get insurance for your cat or dog is to cover their vet bills. However, it seems like an unnecessary expense. This guide explains how pet insurance works, what to look for, and items excluded from pet insurance.

Different pets pose different risks. For example, purebred dogs and cats may be more sensitive to:
- Illness
- Congenital diseases
- Hereditary diseases and
- Certain breeds are more prone to specific problems.
For example, larger dogs are more likely to have joint problems, while bulldogs may develop breathing problems.


Like other insurance policies, pet insurance can vary widely. It means that getting the right coverage for your pet is very important. Pet insurance coverage includes the purchase price of your pet and advertisement cost in case of your lost pet. You may need to prove otherwise your insurer may pay the "fair market value". While your lost pet is irreplaceable, some insurance coverage provides another pet, in case of no recovery of your pet.
It works similar to health insurance. If your pet suffers an injury, a large vet bill will reduce to a small vet bill, depending upon your coverage plan. Mostly, the plan does not provide insurance to a pre-existing condition and dental insurance. Therefore, you should check for the coverage your plan offers.
There are two types of pet insurances that have different prices. There are many factors that should be taken into consideration, such as the age, hereditary diseas and breed that make up the premium. These are on average between £200 and £300 per year.

Longevity: This is the most comprehensive type of coverage you can get. You pay an annual premium for the life of your pet, and the insurer must continue to insure you regardless of age or conditions (under conditions). However, as your pet gets old, your premiums will likely go up.

Yearly: You pay for 12 months of uninterrupted cover so that you can switch to a cheaper policy every year. These policy types cost less but may offer less comprehensive coverage and generally do not cover pre-existing conditions. You will also struggle to find insurance as your pet gets old.


The pet insurance industry has boomed in recent years, and pet owners never had many options to choose the plan that met their requirements. To help you choose the best coverage for your pet, I have rounded up the best pet insurance plans using a quantitative rating system that rates insurance offers, value, pricing, customer service and more. Here are the best pet insurance options available.
- PET FIRST: Best for routine grooming
- GEICO: Best for discounts
- LEMONADE: Best for emergencies
- ASPCA: Best for multiple pets
- METLIFE: the best for chronic illness
- USAA: Best for service workers

PetFirst was founded in 2004 and acquired by MetLife in December 2019. Although the company has been in business for over 15 years, customer reviews have been hard to come by. In case of accidents, a short waiting time applies (only one day after registration).

PetFirst is the only company with this rating that offers a 0 pound deductible. It also provides a 100% refund, which only Figo offers. You should get an insurance quote and read a sample guideline to determine if PetFirst is right for you and your pup. When I ran the quotes PetFirst was always in the middle of the list.

Metlife Pet Health Insurance is a relatively new category of insurance for Metlife. Naturally, the company brings its extensive experience in providing different insurances like dog insurance and cat insurance to this relatively new venture. Considering how closely they work with Snoopy, it is hard to believe this is not their main business.

Metlife's theme for pet health insurance is simple and especially concerning claims and reimbursements. The types of coverage that Metlife offers seem to add to their theme that simpler is better.

Lemonade pet insurance offers affordable dog- and cat insurance with chatbot technology that makes it easy to create policies quickly and handle simple claims. The company also keeps a flat percentage of customer rewards, with the remainder used for claims payment and charity returns. This low-risk business model guarantees Lemonade's profitability and offers some of the lowest rates in the market. 

Insurance companies generally treat cats and dogs over the age of eight as "older pets". In pets such as rabbits, this decreases to around five years, and horses can live up to 20 years. As your pet gets old, they are more likely to get sick or injured, which may lead to a more expensive claim. To cover this additional risk, pet insurers will likely charge more to insure older pets than younger ones.

Like any other family member, if your pet is sick or injured you are responsible for any damage it causes. Fortunately, several different insurance companies will protect you and your family from the financial costs of a pet emergency. Therefore, consider getting reasonable pet insurance to make your life a little trouble-free.

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