As well as finding the best cover for your beloved pet, you’ll also want to find the best deal on cat insurance or dog insurance. And that means doing your research.

When you compare pet insurance, you’ll receive a pet insurance quotation that meet your pet’s needs. But first, you’ll need to provide the following information to the pet insurance provider:

- Your pet’s details: This includes their age, breed and size

- How much your pet cost: This only applies if you bought your pet, not if you’ve adopted your pet without an adoption fee (applies if you’ve adopted your pet and paid an adoption fee, the adoption fee will be the pet cost)

- Your pet’s medical history: Has a vet diagnosed any existing medical conditions? (information provided at the point of making a claim)

As your pet becomes older, it can be harder to get cover for them. Some pet insurance providers will not let you take out cover for pets over a certain age. At Purely Pets, we have no upper age limit on our pet insurance policies. This makes it simpler to find pet insurance to protect your older pet.

ou already know there are different types of cat and dog insurance cover available, but here’s what that insurance jargon actually means:

• Lifetime pet insurance: Also known as reinstatement cover, this policy offers ongoing protection for illness and injuries. Your pet is covered for medical treatment administered by a vet up to a certain vet fee limit each year. The full amount is reinstated every 12 months.
• Maximum benefit pet insurance: Covers each illness or accident up to a fixed amount. Once that figure is reached, your pet is no longer covered.
• Time-limited pet insurance: An accident or injury is covered for a specific length of time. Handy for short term illness.
• Accident-only pet insurance: Your pet is covered if they are injured in an accident – but not if they fall ill. Usually up to a certain amount.

At Purely Pets, we believe every pet deserves the very best, which is why we only offer lifetime cover. You can choose from 15 levels of cover, with costs of up to £15,000 covered by your pet insurance. Get an instant pet insurance quote today.

For many pet owners, the idea of not having pet insurance can be worrying. Can you afford to pay for vet fees if the worst were to happen and your furry friend fell ill or had an accident?

There are a number of factors that determine how much you pay for pet insurance for your pet dog or cat.

Each pet is different, and the cost of pet insurance premiums can vary accordingly. Luckily, there is bound to be a policy offering you just the right cover for your pet.

The cost of pet insurance can vary according to:

- Type of pet insurance policy

- Amount of cover required

- Your pet’s size and age

- The breed of your dog or cat

- Health of your pet

- Whether your pet has been neutered or spayed

- Where you (or more specifically, your pet) lives

- How much excess you want to pay (just make sure you can afford the amount you decide on).

When working out premiums for your cat insurance or dog insurance, a pet insurance provider will look at each of these factors and assign a risk rating for each one. The higher the collective risk, the more likely you will make a claim – and the higher your pet insurance premiums will be.

As a rule of thumb, the cheapest pet insurance options are accident only. But these also provide the lowest level of pet insurance cover.

At the other end of the scale you have lifetime pet insurance policies, which provide the highest level of protection and give you a range of options should your pet require vet treatment at any time in their lives (providing the pet insurance policy has not lapsed, your policy has been renewed each year, and your premiums have been paid and are up to date).

You need to decide how much protection you want to give your cat or dog and decide on the level of pet insurance cover accordingly.

If you own a happy and healthy pet, you might wonder 'is it worth insuring my dog?'

You should always protect your furry friend with dog insurance – here are three reasons why:

• Vet bills can be costly: Even the healthiest of pets can sometimes fall ill or get into an accident, and veterinary fees don't come cheap. With a pet insurance policy in place, you can get them the care they need if the have an accidental injury, without worrying about expensive vet bills. Plus, if your dog injures someone else, or their property, third party liability cover can help pick up the pieces.

• Your pet deserves the best care: Without dog insurance, it's easy for pet owners to go for the cheapest option available to treat their furry friend, but they deserve so much more. Dog insurance will cover the cost of veterinary treatment throughout your dog's life, meaning you can get your pet the right treatment, when they need it most.

• Get covered before new illnesses develop: Trying to find  insurance once your pet is already ill is tricky. Pet insurance providers often won't cover a pre-existing condition, so you'll still need to pay the veterinary fees associated with this illness or injury. Read the policy wording carefully to check if your dog's pre existing condition is covered or not. Cover from Purely Pets includes dental being accident only in year 1 and dental illness from year 2 onwards.