TOP 5 TIPS FOR CHOOSING PET INSURANCE

1.COMPARE THE PRICE - Obviously, the cost of a pet insurance policy is a major consideration. But different insurers have different ways of setting the premium, so always get a quote for your specific circumstances to compare like with like between insurers.

2.CONSIDER THE POLICY EXCESS - Some insurers use a variety of methods to save themselves money when it comes to paying out insurance claims. One of these is by including a high excess on their policies.

3.CHECK IF YOU ARE GETTING LIFELONG PET COVER - Make sure you check carefully what you are being offered by pet insurers and understand clearly what they mean by "lifelong cover" or "cover for life".

4.THINK ABOUT OTHER BENEFITS - Cover for vet fee's is the key element of pet insurance, but most insurers offer a range of additional policy benefits.

5.DON'T FORGET THE SMALL PRINT - We all find it annoying having to read the tiny details about a policy. But all insurance plans have terms and conditions to make clear what is and what isn't covered.