Insurance is important to many people for a whole variety of things. There are many different types of insurance, some which are compulsory and some which are optional. For example, car insurance is a requirement for cars to be driving on the road, not having this insurance and driving is illegal. This is because driving is dangerous, even with strict tests to ensure everyone is ready to be on the road there are still many accidents reported daily, one couple recently were driving with their dog, and they became a lead after getting into an auto accident and this case highlighted how important pet insurance is. Their car was insured as it is a necessity, but they did not have pet insurance. Pet insurance, like life insurance, bicycle insurance, and home insurance are all optional. After compulsory insurance most people payphone insurance monthly, then house insurance is the next most widely paid for and a surprisingly low number of people pay for pet insurance. Pet insurance is just as important as any other type of insurance, once you decide to buy or adopt an animal you are ultimately responsible for their well-being and a huge part of this is making sure that they’re insured if anything were to happen to them. This article will cover why pet insurance is so important and how it helps you to protect your furry friend. 

Is pet insurance worth the cost? 

Pet insurance may seem expensive initially as it averages around $500 per year. This may seem like a huge additional expense for you during the year, but if anything happens to your pet the bill for their treatment will be much higher, on average treatments cost at least a few thousand dollars. If you think that you can afford an expensive vet bill, then you don’t need insurance, but most people find it easier to pay a small amount monthly to avoid being faced with a huge bill. It’s important to consider things like how old your animal is, for example, insurance will cost more for an older animal but it’s usually worth paying the extra as an older animal is more likely to need care.  

What pets can be insured?

The most commonly insured pets are cats and dogs as these are the most common animals who live at home with families. If you have a cat or dog, then you’re lucky on your search for insurance as most providers will provide insurance for these animals. If you have a different pet animal then your search will likely be a lot harder, for small mammals such as rabbits, there is usually available insurance but often it is not worth it as they have a much shorter life span than dogs and cats. If you have an animal like a parrot or a lizard then it’ll be much more difficult to find insurance as not many providers offer it, but with enough research, there is usually a provider in every area who can. Animals that are venomous cannot be insured under pet insurance, but you can instead look into liability insurance.  

What does pet insurance actually cover?

This is a big question that many people are confused about when looking for insurance for their pet. Whilst different providers and different insurance plans will offer different things, there are the main things that will be offered by every insurance company. These are things such as funding towards veterinary bills which are often expensive, loss of your pet or if your pet is stolen, funding towards additional treatment required for behavioral problems, death should your pet be ill or injured and in the case of dog’s, liability cover, this means that if your dog was responsible for injuring someone, the insurance company would pay out any money you owe in compensation.  

What are the types of pet insurance?

There are 3 main types of pet insurance, the 1st is life insurance. If you want the best care for your pet then this is the best type of insurance to get for them, it involves paying an annual premium and you will get lifetime coverage from that provider, no matter what happens to your pet. There is also annual insurance which is a 12-month contract for insurance, if you do this and your pet developed a condition then it will be expensive to renew your 12-month insurance at the same price, keep this in mind when deciding between lifetime and annual. The final option is the riskiest, it is accident-only cover, it’s the cheapest but also offers the least protection as it doesn’t insure against illness, only injury. Any of these insurances will help to protect your furry friend should there come a time when they need it. 

Within the gaming world there is a lot of debate about which games are the best. While this argument is often quite subjective, there are a select few games that are so good that no one can deny their claim to the title of one of the best games ever created. But what exactly are those games? Stick with us as we walk you through the 9 best games the human race has ever produced!

Dark Souls

There is no doubt about what the greatest game ever made is. Back in 2021 the world put it to the vote as part of the Golden Joystick ‘Greatest Game Of All Time’ award. And the winning game was Dark Souls.

Beating out huge competition in the form of Minecraft, Mario, and Halo. Dark Souls is the ultimate RPG. Featuring intense combat, a complex hidden story, and an intricate multiplayer system that was completely unique during its release.

Minecraft

Ranking second after Dark Souls, Minecraft is officially the best selling video game of all time. It is popular amongst gamers of all ages and has become so influential that schools now use it as part of their curriculum.

Minecraft still features a thriving online community. It has spawned a huge number of interesting game modes such as Bed Wars and Skyblock. And if you take a look at a full list of Minecraft Skyblock servers on any server website you will see the player base is still incredibly active.

World Of Warcraft

In the world of gaming, MMORPGS are often seen as the more extreme genre. They require a lot of dedication to become proficient in. And WoW, or World Of Warcraft, is the father of the genre. It might not be the first, but it was definitely the one that gave the genre some real staying power.

WoW is still going strong to this day, with a new expansion set to release soon. It still has millions of daily players and has been making regular updates to its classic servers, bringing back a huge wave of older players.

Warcraft 3

Before Warcraft was synonymous with the MMORPG genre it was famous for pioneering the Real Time Strategy genre. And Warcraft 3 is the epitome of this journey. It was truly a masterpiece of its time. It took everything people loved about the genre and took it into the modern era with its unique 3D engine.

Fallout: New Vegas

The Fallout series is one of the most beloved on the planet. And we will admit that some of the latest entries into the series have been a big rough. But New Vegas is the ultimate Fallout game in our eyes.

Created by the original team behind the Fallout series, the game is a love letter to fans. It is engaging, deep, complex, and offers a lot of choice and freedom when it comes to how you approach the game. The only downside to it is that you may need to modify it quite a bit to ensure it works properly.

Baldur’s Gate 3

It might seem odd to see such a new title on this list. But Bauldur’s Gate 3 has truly taken the world by storm. There is no doubt in our minds that it will one day rival Dark Souls for the title of the greatest game of all time.

The DnD inspired game is a whirlwind adventure that gives players the freedom to live out their fantasies and feel like a true hero. Or, if they so desire it, a monstrous villain. Whatever you want to become, Bauldur’s Gate 3 allows you to do it.

Hitman

The Hitman we are talking about is the rebooted series that first released in 2016. A full re-launch of the popular series, this game spawned two successful sequels. But the three games are so similar we have bundled them into one for the purpose of this list.

The new Hitman games offer a compelling sandbox experience. Players can truly feel like a master assassin as they orchestrate complex killings without leaving a trace of evidence behind. It isn’t difficult to see why IoI studios was selected to create the next great James Bond game.

Dawn Of War

The world of Warhammer 40k is an expansive one. The hobby is not all that easy to get into if you don’t have a lot of disposable income and time on your hands. Which is why the popular RTS ‘Dawn Of War’ has made it onto the list.

The game broke 40k down into a format that anyone could enjoy. It was the launching point for many people to step into the hobby. It allowed gamers to fully immerse themselves into the 40k universe. As a game it was complex enough to keep fans of the genre coming back for more. But it also put a lot of emphasis on ensuring the world of 40k was done right. With so many factions to choose from, Dawn Of War is and always will be a gaming classic.

League Of Legends

The MOBA has easily become one of the most popular on the planet. And that is all thanks to League Of Legends. The game single handedly took esports into the public eye and made people finally accept gaming as a serious sport.

There have been hundreds of games trying to copy the LoL format, and all of them have failed while LoL thrives. Riot games has done so well because of LoL that they have even produced a TV show set in the game universe.