If you’re wondering whether dog insurance is a requirement, then the simple answer is ‘no’. But being covered means you don’t have to worry about forking out for costly vet bills or hospital stays, depending on the type of cover you choose, if your dog has an accident or develops an illness.
There are four main types of insurance, Accident only which is like it sounds. It only covers your dog if it has an accident – like if Rover slips his lead and decides to chase traffic. If your dog falls ill then it’s unlikely they’ll be covered with this type of policy, Accident only cover is usually the cheapest option.
A Time limited policy covers your dog for a set period (usually 12 months) but it only covers new illnesses (any existing or recurring illnesses are excluded) and only up to a certain cost. So, if your dog became arthritic then you could claim for this illness in the first year of your policy but you wouldn’t have any cover for it again in following years.
Max benefit covers your dog for recurring illnesses so you could claim year after year for your dog’s arthritis. There’s a cost limit and once you’ve reached that you won’t be able to make any more claims.
As you’d expect, lifetime cover is the most expensive option, it covers your dog for the whole of its life and for new and recurring illnesses, but you’ll need to ensure you renew your policy every year.