Published on May 19th, 2014 | by Ian


How to get cheap pet insurance

Having a pet is going to mean a number of visits to the vet over the course of its life and taking out an insurance policy means that the cost of many situations such as a broken bone or disease can be greatly reduced.

Many pet owners may feel that they are paying money each month and aren’t getting anything in return because the health of their cat or dog is excellent. Insurance though is about being in a situation where the cost of the treatment may be so high that the agonising decision may have to be made whether to try to find the money or to lose the pet.

When choosing pet insurance, the first thing to do is decide on the level of cover. They fall into categories of basic, mid-level and high and it’s about checking the small print to ensure you would be covered if needed. Basic cover is best for one-off injuries, minor surgery and short term conditions such as a skin complaint. Mid-level cover is also for one-off injuries, more major surgery situations and medium term illness. High level is the best for lifetime conditions such as diabetes or some kinds of cancer. Choose the level which suits the situation of your pet; don’t buy basic cover to save money if you know your dog has a condition such as diabetes as the insurer won’t pay out if you make a claim and they discover the actual situation.

Pet policy prices vary hugely depending on the age and breed of your pet, any existing conditions and where you live in the UK. If you have a cat or dog, you can use a comparison website such as but for any other pets there are no comparison sites available so it’s about calling a number of different companies to get prices.

Many insurance companies like Direct Line offer cashback through sites such as Quidco and TopCashBack. Basically, you sign up for an account, find the companies with the best cashback amounts and then click through from the site to the insurer to get a quote. If you choose the company, the cashback will be credited to your account and transferred to your bank. The important thing to remember is that you must click through to the insurer from the cashback site otherwise it won’t be registered that you’ve visited the company and so you won’t receive your cashback.

If you have more than one pet, some companies offer a multi-pet policy and with this comes a discount – some offer 15% so it’s worth asking as this can mean a significant saving if you have a number of pets.

If you’re in the midst of arranging insurance and your pet falls ill and you need some cash quickly, go online to compare payday lenders visit You’ll find a range of lenders who can guarantee you a loan which will get you through your emergency and you can repay the money when you receive your salary.

A pet is part of the family for many people and they dread the thought of their cherished animals becoming ill as they don’t want to see them in pain. Insurance may feel like a wasted amount of money each year or month but it’s really important cover to take out to save the regret of having to make a decision between finance and the life of a pet if there is no insurance in place.

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