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There are basically four levels of cover in pet insurance:
Provides the cover for the vet fees if the pet is injured in an accident. It is the cheapest type of pet insurance which you can avail.
This kind of policy provides cover for only a specific time of period, commonly 12 months which covers accident and short term illness.
It is also known as "per condition" cover in which only a specific amount of money is allocated for each treatment of injury or illness.
This type of pet insurance cover is most expensive of all other ones but will protect your pet for its whole lifetime. It includes accident, injuries or illness cover under the policy.
Ultimately you can decide what you need and don’t need with all of the options available for this form of insurance. But taking too much cover would be unnecessary for which you need to spend more than the actual cost.
Pet insurance is aimed to cover the vet fees which will bring a considerable amount of impression in your budget. Commonly, a cat or dog insurance cover will include the following things:
Accidents or illness cover will help towards the vet bills.
Third party liability covers if your pets get injured by someone or cause accident.
Advertising cost and reward money will be covered if your pet gets lost.
Compensation amount if the pet passes away.
Pet insurance is mostly for the unexpected illness of the pet. So, it contains a few things which are actually excluded in the coverage like vaccines, pre-existing conditions and routine health check-ups.
These exclusion will not get covered in pet insurance policies.