Pet insurance 'is cheaper when animals are younger'

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Pet insurance premiums are generally cheaper when the animals are younger, according to an expert.

Chris Price, head of pet insurance for Churchill, stated that such a move can be particularly beneficial as insurers may not cover pre-existing medical conditions in cats or dogs.

He added that because of this, it is best to take out cover before such illnesses develop within an animal.

"Like people, as pets get older, long term illnesses such as heart and kidney problems arise. This is the reason many insurers will not start to insure pets of an older age," he explained.

"However, once a pet is insured with a company they are likely to insure the pet for its lifetime."

Recent figures from market research company Defaqto found that there are ten million cats and seven million dogs living in households across the UK.

However, the same study also found that only 17 per cent of cats and 32 per cent of dogs are actually covered on insurance policies.

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