A Comprehsnvie Guide To Pet insurance Cover In Ireland
For many people, pets are a part of their family. So taking care of them means regular check-ups with vets or routine procedures like vaccination. Besides routine check-ups you may have to pay for unexpected medical expenses for your pet. For instance, when there are some age related issues, or when there’s a puppy. If pet suddenly needs some expensive medical treatment or becomes ill, it can be a really hard time for the family. You can easily avoid this by opting for pet insurance. Before you ago ahead and buy dog insurance, it is important for you to know what you’re buying and what cover it will give you.
Which is the best dog insurance cover for me?
Most insurers may insure cats and dogs, but some might also cover birds, rabbits and even horses. Many pet insurance Ireland policies available these days will include cover for vet fees for injury and illness, holiday cancellation if your pet is hospitalized, rewards for stolen or lost pets, death of pet due to accident and third party liability and legal costs if your pet injures somebody or damages the property.
There are four main types of covers:
* Lifetime cover- This covers vet fees in case of injury or illness that may need to be treated for their lifetime or for several years. Being a most comprehensive cover, it is most expensive. You get same amount of cover no matter how many times you make your claim. You just need to keep renewing your policy.
* Accident only- This pet insurance covers treatment of injuries due to accidents. Sickness is not covered in this policy.
* Per condition, no time limit- It’s also called maximum benefit cover. It covers vet fees for a specific condition until a set financial limit is reached. Then this condition becomes a pre-existing condition and is automatically excluded from any further claims you make.
* Per condition, time limited- This pet insurance Ireland covers vet fees for 12 months but has a fixed maximum amount per condition.
How to find the best deal?
It’s best to research online to work out the best option for you and your pet. Ask for a dog insurance quote from few companies and make sure the policies you’re considering covers both injury and illness or just injury. Usually injury only policies are much cheaper than both injury and illness policies, but they offer you a more comprehensive cover.
You might discuss common medical conditions specific to your dog or cat breed with your vet. Many insurers have conditions on how much they will cover on certain conditions. After-hour emergency care is expensive so check if this is included in the cover.
Paying for your pet insurance
You can pay premiums as yearly fee or monthly as direct debit. There are some charges if you pay your premium monthly. The price of cover varies depending upon where you live, and your pet’s age and breed. Premium is generally more expensive for older pets. In fact, some insurers won’t accept pets above a certain age (usually 8 years), and some breeds are insured only up to the age of 5. You need to check with the insurance about the exact age. Many dog insurance companies also offer discount if you insure more than one pet or if your pet is micro-chipped. Some even offer discounts if you apply online, or where pet owners are over 60.
Important things to consider
You must also check things that are not covered in your pet insurance. Many providers won’t insure pets with pre-existing conditions. Some policies may not cover routine treatments such as neutering and vaccination. Worm and flea control and anything related to birth or pregnancy are also excluded in the policy.
Most policies won’t accept claims made before 10-12 days after the policy has started. For all claims you’ll have to pay a set excess fee. It is first part of the claim that you will have to pay. Many policies may require you to pay towards treatment cost once your pet reaches a certain age, usually 5-6 years old. Also, the cost of premium may increase after you’ve made a claim.
As per law, you can cancel your policy free of charge within 14 days of purchase. If you opt for cancellation, your insurer will offer you a full refund, after making a pro-rata reduction for any period of time your pet was actually insured. You may also have to pay the administrative fee. If you want to cancel your pet insurance Ireland, you may have to pay the balance premium for the year, or you may not get much back if you paid upfront.
Don’t worry you're well protected!
You are well protected in case there’s a dispute with an insurance provider over a claim about the cover. Common problem areas include disagreement over a particular treatment for any illness, inclusion of alternative treatments (such as homeopathy) and covers for all procedures that might be seen by insurer as “predictable” rather than “insurable”, like routine dental check-ups or clean-ups.
To make your complaint about a claim, you must first make your complaint with the insurance company, and follow its complaint process to the end. Company has 8 weeks to resolve your complaint. If the problem remains unresolved, you can also contact insurance ombudsman online or over phone. It’s a free service and offers impartial mediation. Ombudsman gathers information from both parties, and then pronounces a fair and legally binding decision.
Just remember that not all pet insurance policies in Ireland are the same, so first seek a dog insurance quote from few companies, and then review choose wisely and carefully.
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