Dog Insurance Small Print
If you are buying dog insurance, which of course you should be, then there are a few things that you need to check before you buy.
Dog insurance is important for more than just health reasons, it is important to cover you for third party liability and legal costs as well. You might be thinking it doesn’t apply to your small breed, but no matter what size of dog, they can still cause some damage and even if you train your dog, it is better to be safe than sorry as the costs can be high. For example, your dog might damage belongings of someone, and if was antique furniture or something, then reimbursing that person might be costly. You could refuse, but then they could take you to court, and if it is someone you know you could lose a friend too – something I talked about last week.
Another thing to check is the level of cover. It is not enough to see a nice high figure such as £5,000 vet fees and think that is ok. Is that fee the total amount insured, i.e. if your dog uses £2,000 one year, do they then only have £3,000 left or does the £5,000 start again each year? Or is it ‘per condition’? For example, if your dog has an ongoing condition, such as cancer, that will use up more than £5,000 and you don’t want to get to year two and find you have used the £5,000 on cancer and the next year’s £5,000 cannot be used on that.
Be careful and read all the small print.
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Nov 30, 2008 | 0 | Buying A Dog, Dog Products
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