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Everyone who owns a pet knows that they are commonly known as a little person or best friend, due to animals directly forming an integral part of any family unit. Who knows how you would feel if your little bundle of fun (whether its a dog, cat or penguin) were to be taken ill. Therefore it's recommended to take out cover on any household animal with a pet insurance policy.

The best way to safeguard your animals' health is with a pet policy. These are available in many different shapes and sizes. Generally most pet insurance policies refuse to insure a pet over five years of age, and usually this relates to a cat or a dog. The reason for this is due to the fact that pets age quicker than humans do, and therefore deteriorate at a faster rate. Cats and dogs age 7 times faster than humans. This means animal insurance is seen as financially unviable for older pets. This is the view of many brokers, however there are a few specialist companies who will insure older pets. It is worth looking around. PetPlan and Asda are just two well known insures who covers cats and dogs of any age - hurrah!

Pet insurance policies range from around £5 a month for a cat and £7 a month for a dog, this however provides a basic cover, as like any insurance policy the cover for pet insurance can be increased, dependant on the type of cover you require.

Many high street insurers e.g. direct line, More Th>n etc offer a range of policies. Generally these pet insurance policies offer cover including a set amount for vets bills if the animal is taken ill.

When taking out Pet Cover, always look at more than three brokers, and make sure that the policy covers the age of your pet and the breed. Different breeds may mean the pet insurance cost may vary between different pets. e.g. Alsation, Burmese.

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