How to Save Money on Insurance Policy for Pet?

Let us discuss some of the ways which can help you to save your money while purchasing insurance policy for the pet but it will not reduce your premium.


  • According to the legal requirements, Microchipping has become legal since April 2016. If you make Microchipping for your pet, it helps you to save money.
  • Also the treatments such as spayed and neutered when performed on the pet, it helps you to reduce the claims regarding breeding. It helps in reducing the premium.
  • You can select the policies with higher excess which reduces the premium over policy.
  • Multi-pet insurance is a better option if you have more pets. It offers discount over the policy and covers the entire pets with limited premium.
  • You can have many policies with number of options to choose but remember if the policy is cheap then it is having lower options and limited cover.

Where to find better deals

Most of the insurance companies have better options and best deals given on the company websites. Visit the website and find about the various policies given in details about the pets.

What is alternative to pet insurance?


Self insurance

Self-insurance policy is one of the options which can be used to save the vet bills. You have to take the decision and find out about how much money you can save.

You can save the money in such a way that the interest on the saved money can be utilized to pay the vet bills for the treatment given to the pet at its old age.

The self-insurance policy helps in longer and expensive diseases that the pet suffer at older age. The treatments will be highly costly and finding a policy at that time will be very difficult.

Self insurance helps for several pets and instead of having separate policy for each one. But remember the money you save is only for the treatments which you would have claimed from the policy and not the routine medication.

Charities available

There is no national policy for pets which can take care of them. The hospitals available are mostly run on charities or support from people. The public funded free hospitals such as Blue Cross, Royal Society for the Prevention of Cruelty to Animals (RSPCA), Ulster Society for the Prevention of Cruelty to Animals (USPCA) and People’s Dispensary for Sick Animals (PDSA) offer restricted facilities and limited help.