Dogs are in about twenty three percent of the households and cats in about twenty percent of homes in the UK. The UK reports approximately twenty three million pets and this number is not even counting fish as a pet. With a pet, a responsible owner sees a veterinarian at least annually for vaccinations. These vet care cost can be expensive.

Pet insurance is a low cost way of keeping your animal healthy and getting them the necessary care they need. As health care for humans, veterinary care can be expensive. Medications, diagnostic testing, surgeries are examples of costly procedures that may be necessary to keep your pet healthy and alive. Pet insurance can help defray the costs by paying part of it. Pet insurance typically has a monthly premium the owner will pay.

Pet insurance can cover many items of health care for your pet. For example, Sainsburys Pet Insurance offers pet owners two options of coverage. Option one offers payment for basic items such as liability and veterinary fees. Option one will pay up to three thousand pounds per condition for a maximum of one year.

Option 2 covers extensively more procedures, diets, behavioral problems, cremation and up to two million pounds coverage on liability. Option two will cover up to seven thousand and five hundred pounds per condition without a time limit provided account is up to date with regards to premiums.

The cost of the insurance will vary. Rates change depending on age of pet, breed, sex and location of animal. Coverage can begin after a pet is eight weeks of age. There are some selected breeds that are covered differently in option two. These are the German Shepherd, Greyhound and Irish Wolfhound to name a few.

Purchasing pet insurance is a smart idea. In 1971 in the United Kingdom, a law was passed that made pet owners liable for any accident caused by their pet. In other words, if the dog runs out in front of traffic and causes an accident, the owner would be liable for damages. Twenty five percent of UK households have a pet insurance policy. If you own a pet, it appears a smart choice to have an insurance policy on that pet.