Churchill Pet Insurance - Compare

www.churchill.com

Churchill, whose logo is appropriately enough a nodding dog, is one of many major insurers now offering cover to pets. The cost of Churchill pet insurance cover generally includes emergency kennel or cattery fees up to ₤750 if you have to go to hospital, ₤1000 for rewards and advertising if your pet goes missing and up to ₤3000 for vet’s bills. Premiums will vary according to the age and type of pet and the site will provide you with a quote. There’s a 5% discount for buying online if you do decide to buy a policy. It looks like you can only insure cats or dogs though – for other animals you will need to go to a specialist insurer.

Research commissioned by the company has found that British people borrow ₤1.8 billion per year to pay for vet’s bills. That, if accurate, is a pretty incredible figure which means that pet insurance could be an investment. An operation on a dog or a cat can cost several hundred, even a thousand-plus, pounds and older, arthritic animals may need more frequent trips than younger ones. Interestingly, Churchill’s claims figures indicate that if you want to minimize trips to the vet you might be best getting a black cat – they account for 17% of cats insured with company but only 11% of claims. That, their research suggests, could be because their skin pigmentation protects them against certain illnesses than pigment-free white cats are prone to, and because their coat provides camouflage (although that’s surely a disadvantage when it comes to negotiating roads in the dark?). But there’s still some residual superstition against poor black cats, who are often the last ones left in animal shelters… not so lucky in love.

For more information about Churchill pet insurance services, check the website at www.churchill.com. Whoever you decide to buy insurance from, check the policy carefully. There are various things that it’s usual for pet insurers to exclude or put conditions on. Churchill, for example, ask you to pay the first 10% of claims for pets over 7 years of age ‘calculated after standard excess has been deducted’. And although they will pay up to ₤3000 for each illness your dog or cat suffers, you are only covered for one year per condition starting on the first date of treatment. And they won’t pay out for treatment connected with behavioural problems.

There’s also pet care advice on the Churchill site. And should you at any point decide that getting a real pet is too much of a responsibility, there’s an online order form for Churchill the nodding dog – he’s cute and you won’t have to take him to the vet at all.

 

 

 

 

 

 

© AskFinancially.com 2008

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