Is it worth buying pet insurance?
Cover for your fur baby can come with a few fishhooks.
Insurers want to make you the “best pet parent” by providing the “care your pet deserves”.
However, pet insurance cover doesn’t come cheap, and our survey found these policies can have a few claws you should be aware of before taking the plunge.
We compared the cost of eight comprehensive pet insurance policies for:
- a 6-month-old moggy, and
- a 4-month-old Labrador retriever.
We based our comparison on the maximum cover available under each policy.
What you pay
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Check the excess and co-payments
What’s covered
Routine care
Bells and whistles
Renewing the policy
Value for money?
Stand-down periods
Top claims
In 2023, PD Insurance reported that its top 10 claims for cats and dogs resulted from:
Dogs
- Skin allergies
- Ear infections
- Gastro
- Diarrhoea
- Swallowing a foreign object
- Eating poison
- Vomiting
- Injuries to limbs
- Allergic reactions
- Conjunctivitis
Cats
- Bite wounds
- Abscesses
- Diarrhoea
- Conjunctivitis
- Urinary tract obstruction
- Gastro
- Cystitis
- Injuries to limbs
- Lower urinary tract infection
- Eye infections
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