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As pet owners, it’s our duty to safeguard our pets in every way we possibly can. At Protect My Pet, pet protection is our number one priority which is why we do what we do. We make pet care as simple and accessible as possible for pet owners everywhere by offering a subscription service that delivers everything you need right to your door.

Whilst we do our best to protect our pets from pesky parasites, pet insurance is another important way to ensure our pets are protected to the best of our abilities. However, it is a factor many pet owners forget about entirely due to the excitement of bringing home a new furry family member.

Join us as we explore why pet insurance combined with top-notch parasite protection is not just an option but a necessity in ensuring your beloved companion’s health and happiness.

What is pet insurance?

Pet insurance provides financial coverage for veterinary expenses, including unexpected illnesses and injuries, ensuring your pet receives necessary medical care without financial strain. It offers peace of mind, protecting both your pet’s health and your wallet from unexpected fees and bills.

Do I need pet insurance?

Pet ownership is a fun yet unpredictable journey so ensuring your furry companion’s health and well-being is paramount. Amidst these joys and challenges, pet insurance emerges as a crucial tool for safeguarding both your pet and your finances.

Simply put, pet insurance is more than just a financial safety net; it’s a pillar of support ensuring your pet always receives the care they deserve.

The benefits of pet insurance include:

  • Financial protection: Pet insurance covers unexpected veterinary costs, sparing owners from hefty bills during emergencies.
  • Comprehensive care: With a pet insurance policy in place you can gain access to a wide range of medical treatments, from surgeries to medications without the worry of the associated costs.
  • Peace of mind: Pet insurance alleviates stress and worries about affording necessary healthcare for your pet, so you can focus solely on their health and recovery.
  • Lifesaver in emergencies: Pet insurance provides immediate assistance during unforeseen accidents or sudden illnesses, potentially saving your pet’s life.

What are the types of pet insurance?

If you’re not familiar with pet insurance, it can be a bit overwhelming to determine what kind of policy to go for. To help you understand the differences, we’ve provided a breakdown below.

  • Accident-only coverage: Covers injuries resulting from accidents, such as broken bones or poisoning.
  • Time-Limited coverage: Provides coverage for a set period after an illness or injury, typically 12 months, with a monetary cap.
  • Maximum Benefit coverage: Offers a fixed amount of coverage for each condition, with no time limit but a financial cap.
  • Lifetime coverage: Provides ongoing coverage for illnesses and injuries throughout your pet’s life, with annual limits that reset each year.

Out of all the above types of coverage, Lifetime is the most highly recommended. This is because Lifetime policies provide continuous coverage for chronic conditions or recurring illnesses over your pet’s entire life as long as you renew your policy each year. Lifetime policies provide owners with ultimate peace of mind knowing health needs are consistently covered without the restraint of exclusions or limited benefits.

Though monthly premiums might be higher for Lifetime pet insurance policies, they ultimately offer long-term financial protection, especially for breeds prone to developing hereditary or congenital issues that may require lifelong management and treatment.


What can pet insurance cover?

Pet insurance can cover a wide range of veterinary expenses, including:

  • Accidents: Treatment for injuries resulting from accidents such as broken bones, lacerations or ingestion of foreign objects.
  • Illnesses: Medical care for illnesses such as infections, digestive issues or respiratory conditions.
  • Emergency care: Coverage for emergency veterinary visits, hospitalisation and intensive care.
  • Treatment for hereditary and congenital conditions: Treatment for genetic conditions that may arise and require ongoing care or surgery.
  • Chronic conditions: Coverage for long-term or recurring illnesses such as diabetes, arthritis or allergies.
  • Diagnostic tests: Including blood work, x-rays, ultrasounds and other diagnostic procedures to diagnose and monitor your pet’s health.
  • Specialist care: Coverage for consultations and treatment provided by veterinary specialists, such as dermatologists, cardiologists or oncologists.
  • Alternative therapies: Some policies may cover alternative therapies like acupuncture, chiropractic care or physical and hydrotherapy.

When choosing a pet insurance policy, it’s essential to review coverage limits and ensure the policy you choose provides adequate coverage limits for accidents, illnesses and chronic conditions.

Before purchasing a pet insurance policy, it’s also a good idea to check exclusions and be aware of any limitations in coverage, such as pre-existing conditions, breed-specific conditions or certain treatments which you won’t be able to claim for.

And finally, compare premiums from different providers to find a policy that offers comprehensive coverage at a reasonable cost. Once you find a policy that suits your pet’s needs, read the fine print. Thoroughly read the policy documents, including terms and conditions, to understand what is covered and any limitations or restrictions.


How much is pet insurance?

The cost of pet insurance in the UK can vary depending on several factors, including the type of coverage, your pet’s age, breed and health status, as well as your location and the insurance provider you choose. 

On average, pet insurance premiums often range from around £20 to £50 per month for dogs and around £10 to £30 per month for cats. However, these are just estimates and prices can vary significantly based on individual circumstances and policy features. It’s essential to compare quotes from different insurance providers to find a policy that offers the right coverage for your pet at a price that fits your budget.


Waggel makes pet insurance simple

While we’re here to make sure your pet is protected from fleas, ticks and worms, Waggel’s comprehensive pet insurance will protect them against accidents and health issues. If you’re looking for pet insurance that goes the extra mile, Waggel is well worth a look.

Waggel offers extensive coverage limits to ensure your furry friend gets the care they need without breaking the bank. From accidents to illnesses and everything in between, they’ve got you covered. Best of all, they only offer Lifetime policies to ensure your pet is covered for life.

Have you got any tricky pet health questions? No problem! With Waggel, you get access to Joii, a trusted online veterinary service completely free of charge. Get 24/7 expert advice, video consultations and peace of mind right from the comfort of your home. For a free, no-strings-attached quote, try Waggel today.

Whether you’re looking for cat flea treatment, dog flea treatment or you want to prevent ticks or worms, we deliver the dose your pet needs each month to keep them parasite-free, forever. 

A subscription with Protect My Pet means no more bulk buying of expensive treatments, and a monthly reminder to protect your pet. 

At Protect My Pet we take the stress out of parasite-protection so you can get back to what matters the most, spending sacred time with your pet.



In conclusion, pet insurance provides financial protection for unexpected veterinary expenses, while parasite protection safeguards pets from harmful parasites like fleas, ticks and worms. 

Both pet insurance and parasite protection are essential components of ensuring your pet’s overall health and well-being. While insurance covers medical expenses, parasite protection prevents health issues that can arise from parasitic infestations.

Pre-existing conditions may not be covered by pet insurance, but being parasite-free can aid in future claims. By maintaining your pet’s health through parasite prevention, you reduce the likelihood of pre-existing conditions affecting insurance coverage.

Taking proactive steps, such as investing in pet insurance and parasite protection, is crucial for safeguarding your pet’s health. Regular veterinary check-ups, vaccinations and preventive treatments contribute to your pet’s long-term well-being and are a cornerstone of peak pet ownership.