What costs are covered by insurance?

One in every three dogs is likely to need major veterinary attention each year (in addition to the annual check-ups and vaccination). The cover provided by different insurance policies varies according to the type of policy required and the cost of the premium. Typically, a policy will pay for the costs of veterinary treatment for illness or accident, as well as for third party liability and accidental damage caused by the animal. A good insurance policy will reimburse the purchase price of your dog if it dies from illness or accident before a certain age and the costs of recovering the animal if it goes missing. Some policies even offer cover for holidays cancelled because your dog needs emergency surgery in the week before the scheduled departure date.