Pet insurance recommended (Pet insurance)

Member Name: HuxleyThePig

Product:	Pet insurance
Date:	11/02/09 (138 review reads)
Rating:

Advantages: decent policies pay out

Disadvantages: decent policies are more expensive

Pet insurance is one of those things that you hope you will never need, and it is tempting not to bother with yet another monthly expense, but I would have to say that I would always recommend getting some cover for a cat or dog if you can afford to. Having worked in a veterinary surgery for some years I have seen many times peoples' shock at the size of their bill, and the heartbreaking decision over whether or not all the recommended tests and treatment can be undertaken. The relief is huge when you can say 'do everything possible'.
I would certainly say it is wise to shop around and definitely read the smallprint of all policies, as if it seems too good to be true, it probably is. On the whole you tend to get what you pay for, and the policies which offer 'cover for life' (i.e. you can carry on claiming for the same condition year after year) are usually more expensive.
Deciding on a provider or a policy is a personal choice and depends on your own needs and situation, but generally speaking I would recommend having pets insured. Just don't try taking out a policy after the animal is already ill as they won't pay out!

Summary: you get what you pay for