Do You Love Your Pet Enough

Do You Love Your Pet Enough?

If you own a pet (or two), the chances are you’re answer will be a posthumous yes to the above question. In fact there’s no chance about it, of course you love your pet enough but do you, or have you considered pet insurance? This question is probably going to be met with a “no”. After all, you wouldn’t be reading this blog otherwise!

The first thing is why are you considering insurance for your pet? Well, the main reason is we all know how expensive a trip to the vet’s can be and not all of us have the spare cash hanging around to deal with an unexpected illness. This can range from a little bug that Fido picked up on a walk to (God forbid) a serious long-term problem. Another reason is by having insurance, you get peace of mind that you won’t have to go to the “bank of daddy” when there’s a need to have medical treatment for your pet.

So, what’s on the market I hear you say well, take a look below and I’ll give you a few ideas:

Types of Pet

All pet insurance companies offer policies from accident only cover to lifetime with both cats and dogs. These types of policies are also available for rabbits and horses. But, what if you have an exotic pet such as a parrot, lizard, snake, or in some cases a beloved tarantula? You might be surprised to learn you can get insurance for these less than fury friends as well. That said, they are pretty new to the market so don’t expect to find them everywhere and you will more than likely pay a little more.

Accident Pet Policies

If you have a pet that’s prone to accidents (and yes, they do exist)! Maybe Tiddles is constantly coming home with cuts and scratches or Fido just can’t help but chew on the nearest bee as it flies past. In which case there are companies out there who are dedicated to making sure your vet bills are covered should an accident happen.

Of course, there are more serious situations where a little more than some antiseptic and antibiotics will do. If your pet has to have an operation due to an accident there is plenty of cover to choose from so if you are faced with something like a car accident, you can devote your time to looking after the patient instead of worrying about how to pay for treatment.

Oh, and I can’t forget you. Humans are just as likely to end up needing a stay in hospital so bear this in mind when you’re shopping for pet insurance. Some companies will make sure your pet is properly looked after by providing kennels or some other suitable place for them to stay while you’re away. Although, they can’t guarantee the same amount of “nursing” from your pet when you return home!

Full and Part Cover

As far as “normal” pets go the world is your oyster when it comes to the type of insurance you want. Although do think about the fact that most companies don’t cover routine expenses such as vaccinations, neutering and micro-chipping. Oh, and remember if you have a dog it’s a legal requirement to have them chipped these days. If you’re considering insurance for a pet you’ve had for some years (in other words the grey hair is starting to make an appearance and walks in the park are more of a stroll these days), you’re not exempt. Some companies will even take your pet if they already have an ongoing illness.

Loving Your Pet Enough

OK, pet insurance will be another monthly expense to factor in but, considering policies can cost as little as £3.50 a month it’s not much to ask so you have peace of mind that your four (or eight legged) friend can get the treatment they need.

 

Travel Insurance – It’s Not Always Straight Forward

You Might be planning a holiday somewhere hot and sunny, or you may well be preparing for a new job that involves a lot of travelling. Whatever the reason for you climbing aboard a plane, boat or train, you should get travel insurance. Many companies offer “bog standard” policies that cover you for the obvious things that may happen, and these include but are not limited to:

  • Accidents abroad – more on that later in the article and what “accident actually means”.
  • Medical Expenses.
  • One of the most annoying things that can happen (in my opinion) – lost baggage, or delays in travel.
  • Theft or loss of money, travellers’ cheques, personal belongings or your precious passport.

These are some of the most obvious mishaps travel insurance companies cover however, there are more comprehensive policies out there should you need it. Perhaps you have a certain medical condition or disability? In which case, you don’t have to consider yourself on the “travel black list”! Due to the fact this type of insurance is becoming ever more popular and with good reason, there are plenty of options for people who once thought they would never get insurance.

Outside of the “Norm”

That said – what about the more, shall we say, unusual mishaps? I would never advocate someone making a false claim on any type of insurance policy after all, it’s illegal and could land you in a whole lot of hot water! Although I will say don’t out rule putting in a claim if you think you have a valid reason for doing so. Sure, not all companies will pay out but if you’re being totally honest what’s the worst that can happen? The powers that be will say “claim rejected”!

Take some of these accidents for example:

  • A person on holiday abroad marvelled at the idea of being able to read their favourite book under the shade of a beautiful palm tree, sounds idyllic doesn’t it? And it was, until a coconut promptly fell out of the tree and caused a head injury! Ok, most people (me included) would think there was no chance of a successful claim however in this instance all medical bills were paid.
  • Take this one for a disaster oh, and before you read on, people who are looking forward to getting married abroad don’t panic, just stay away from barbeques! An unfortunate bride did get a little too close and ended up with her dress on fire! Her quick thinking husband (yes they managed to get married first), did the only thing he thought would save her and threw his beautiful wife into the Caribbean – how gallant! The clever couple had made sure their travel insurance was as comprehensive as it comes, and luckily for them the cost of the dress was reimbursed. Apart from a successful insurance claim, at least this couple will never forget their wedding day!
  • If you intend to spend some time in a place where wild animals could get access to your belongings, try this little story for size. A couple came back from a day trip only to find a bunch of local monkeys thought it would be a good idea to break into their cabin and scatter the couples clothing all over a nearby forest (pesky monkeys)! Fortunately the nice man at their travel insurance company said yes to the claim.

Moral of the Story

I know lots of people shy away from travel insurance because they think its dead money (excuse the pun) however it’s anything but as the stories above prove. Whilst the situations I’ve outlined are not an every-day occurrence, it is possible you could be victim to an accident just as unusual.

For that reason, I think travel insurance is a must. The only piece of advice I will pass on is to make sure you read the small print before handing over any money especially if you’re going to spend time around monkeys or hot BBQ’s!

 

Home Insurance Summary

Why Didn’t I Get Home Insurance?!

There are a few comments we’re all guilty of (me included), and one of them is “it will never happen to me”.  On the back of this many people prefer not to get home insurance because they believe this phrase which, in all honesty, is just tempting fate! Some of you reading this may think it’s a waste of money, or don’t believe you own anything valuable enough. That said I’ll bet you at least have electrical goods as well as some bricks and mortar to take care of.

So, to save you from entering the hell that’s “why didn’t I get home insurance” here are a few reasons why you should take this just as importantly as you might car or life insurance policies (yes, life)! After all what could be worse than having to replace your child’s latest games console (oh, think of the tantrums)!

Peace of Mind

Imagine this? Practically all the furniture in your home is covered in plastic so you don’t have to deal with those accidents that could mean a replacement. Think about how guests feel when they’re too afraid to sit on the sofa in case they damage it or worse, get stuck to it on a hot summer’s day!

It could also be that you’ve banned kids from certain areas in the home so they don’t break precious ornaments that have been handed down through the generations.  You could even go further than this to protect the items in your home and for what? Saving a few pounds each month? We all lead stressful enough lives without adding all this into the mix. So, think about it – having a home insurance policy WILL bring you peace of mind.

Bricks and Mortar

Insurance policies like this don’t just protect your contents they also cover the walls around you and even the space outside. These days, we face many perils due to changes in the weather (flooding being the main culprit). Taking an insurance policy for your home that covers what’s standing around you (or not as the case may be) is especially useful if your property is old. The last thing you need is to suffer a power cut only to be told it can’t be fixed unless you have a full rewire which, as you’re probably aware can cost thousands.

Types of Home Insurance

The sky is the limit as far as this type of cover goes these days. It’s a competitive market and everyone wants your business. For this reason lots of companies offer tailor-made policies that fit you and not them. For instance, you might want to make sure that boat you have parked up in the driveway is covered for damage or theft (lucky you for owning a boat)! Or, you might have an expensive collection of stamps which would cause no end of heartache if they were to be damaged or stolen. Surely it would be much better knowing these items are covered?

Are You On A Budget?

Money is tight for a lot of people and insurance companies across the board have thought about this believe it or not! There are plenty of policies on the market that come as standard and are anything but expensive. So, if you have a minimal amount of items to cover, this type of policy is perfect and it won’t break the bank.

The Answer

The point is, it doesn’t matter how “odd” your needs might be, there are companies out there that can help. Plus, the phrase “I can’t afford it” probably isn’t all that true. Money can’t replace sentimental items but it does help ease the pain. It doesn’t cost an arm and a leg (more on that type of insurance elsewhere on our website) and quite frankly, it will bring peace of mind. So, don’t end up asking “why didn’t I get home insurance” and get covered!

 

 

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