A first pet insurance guide – Financial Guide | Gabriel Oak ES


Unfortunately, our pets are as prone to diseases and injuries as we are. In fact, we are more likely to claim our pets than our home or car insurance.

In the event that a veterinary surgeon’s bill is more than you can afford, it is always very prudent to obtain pet insurance. Pet insurance can not only cover veterinary fees for illness and injury, but also theft or removal of a pet.

So what pets are covered?


You can purchase insurance for numerous animals:

  • cats
  • Dogs
  • rabbits
  • Horses
  • Birds
  • Exotic pets

However, it is worth noting that most insurers only offer coverage for cats and dogs, so if you are the owner of a reptile or a parrot, for example, you should look for a more specialized insurance policy.

What exactly does pet insurance cover?


Most policies cover care for accidental injuries, illnesses (including behavioral illness if referred by your veterinarian) and physical therapy (again, if referred by your veterinarian). Some insurers also cover other treatments that your pet may need, such as acupuncture, homeopathy, osteopathy and hydrotherapy. Many policies include dental treatment as well.

You should look for as much pet insurance coverage as possible, so it is worth investigating the types of policies.

What happens if my pet dies or must be put to sleep?

What happens if my pet dies or must be put to sleep?

Insurance coverage is available, but it is always worth taking a close look at the insurance policy in these circumstances, as some insurers eliminate them from coverage once a pet reaches a certain age.

Try to identify a policy that pays the purchase price of your pet or insurance coverage that pays the current market value if you do not have proof of the purchase price.

Coverage for lost and found pets

Coverage for lost and found pets

If your pet is stolen or lost, your insurer can pay the purchase price of your pet if you report it to the police.

What types of insurance policies are available?


  • Accident only policies: Cover the required treatment after an accidental injury.
  • Limited time policies: allow you to claim a specific condition for a certain time. Beyond this period, your insurer will not pay.
  • Maximum benefit policies: cover a condition up to a set limit. Your insurer will not pay beyond this limit for the condition.
  • Lifetime policies: allow you to claim up to a certain amount for any condition for each year of your pet’s life.

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