pet-insurance-tips

You want the very best treatment for your pet, yet anxiety over their health can be made worse by the concern of high vets’ bills.

The average cost of a visit to the vet is over £130. With one in three pets needing veterinary treatment each year, pet insurance is clearly an important consideration and potentially a key way of saving money if things go wrong.

The 4 most important tips to consider when choosing pet insurance online are:

1. Medical benefits – Taking out a policy with sufficient medical benefit is vital. Always check the policy details and the limit of medical fees you’re actually covered for.

2. Limitations – Some pet insurance will have limitations written in the small print. These can quite often include time limits on when you can claim.

3. Life Long Cover – Look for pet insurance that you can renew year after year, even in the event of you making several claims. Some pet insurance will allow cover for life while others may stipulate a maximum age of 6- 8 years.

4. Liability – As with all insurance policies there are usually a number of differences to be found between the various insurance companies. You will generally find, though, that most insurers will offer some kind of liability in their pet insurance that protects you in cases where your pet has caused damage to property or, worse still, another person.

Best Pet Insurance UK

• Compareandsave.com – Pet Insurance
• Moneysupermarket.com – Pet Insurance
• Money.co.uk – Pet Insurance

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  travel
  Book Online Only. Booking online can save you time and money. Most travel operators offer discounts if you book online, as opposed to over the telephone or in a shop.
• Book off-peak and mid-week if possible. Friday, Saturday and Sunday generally attract an additional supplement. You’ll also find that hotels and flights are much cheaper during the off-season, so try booking just before or just after a major holiday season.
• Book flights well in advance. Typically, there will be cheap and expensive deals for each flight, and it is usually the case that the best bargains go on a first come, first served basis. 
• Get the best currency rates. If you are using traditional currency it is important to look for the best rates. Avoid changing currencies at airports, ferries and hotels as they are unlikely to offer the best rates.
• Try day trips. Day trips offer a unique opportunity to explore a new country, as well as providing a fantastic way to entertain the family.

store-cards-tips

They are often promoted heavily in stores and can initially appear attractive, but beware there are many more disadvantages attached to them.

Avoid Store card Tips

• Excessive rates of interest
  The interest on most store cards is massively more than a standard credit cards up to 30% APR.

• Pushy Sales Staff
  Untrained staff get paid by commissions for signing people with little knowledge about the high interest rates

• Hiding the facts
  It often isn’t very clear when you sign up in store as to what the APR or interest rate is.

• Limited Offers
  Initiate offers get people to sign up and then they raised the interest rate to record highs.

• You are compiled to spend in the store
  With these cards the stores guarantee that we spend on them in their shops.

• Never, ever, use a store card to borrow on.
  If you have one, whatever the reason, always ensure you pay off in full

There are some times we can profit from store cards, yet of course this is providing you never, ever, ever use them for borrowing on.

Reasons to use a store card:

• Grab the initial discount offers.
  Many store cards offer a bribe for signing up at various times – such as 10% off the first time you spend on it.
• Anything at the discount rate too.
  Then get the discount, they get it as well and you pay off the balance in full so there’s no interest charged.
• Ask friends & family if they want use the store card discounts.
• Membership benefits.
  Many store cards have special store card holder evenings and offers, a bit like a membership club.