Pet Insurance
Protect your pets with insuranceWe never want money to be an issue should your pet require treatment but there is also no doubt that the provision of high quality veterinary care can be costly.
People tend to think it’s only older pets that get ill and, therefore, younger pets don’t need pet insurance but we know from the patients we see each day that that is not the case.
In fact, the younger your pet is when you insure them the better, as it means you are less likely to have any existing conditions, which may not be covered by the policy and you can then receive more help covering the cost of any future treatment your pet needs.
It is important to note that not all pet insurance is the same. There are many different types of policy available and the level of cover provided can vary considerably. The four main types of policy are as follows:
Accident only:
Provides cover for accidents only and no cover for illness
Maximum Benefit:
Provides cover up to a maximum amount of money per condition and once this limit is reached the condition is excluded.
Time-limited:
Provides cover for a set amount of time (usually 12 months) and after this period the condition is excluded.
Lifetime:
Provides a set amount of money each year which is refreshed each time you renew your policy allowing you to continue to claim for ongoing conditions.
As you can see from the information above, the type of policy you choose can have implications for the veterinary care of your pet and the costs you will face so it’s important to choose the right cover.
Sometimes, the cheapest insurance can cost you more in the long run. When shopping around for a policy, we suggest that you ask the following questions to allow you to compare the overall value you are getting, not just the price:
1. Does this policy cover congenital, hereditary, hip-related, dental and behavioural conditions?
2. Is there a time or monetary limit on how long this policy will cover ongoing conditions for?
3. If I claim, will my premium increase?
Unlike other forms of insurance it is not easy to switch pet insurance in the future as any pre-existing conditions your pet has are likely to be excluded so it’s important to do your research and choose the right cover from the start.
4 Weeks FREE insurance
To enable you the time to have a look for the most suitable pet insurance we can offer cats and dogs under 18 months old with 4 weeks cover free of charge. Just speak to a member of our team to find out more.
Can you recommend an insurance company?
We are not able to recommend an insurance company due to legal restrictions as we are not trained financial advisers. Everyone has diferent needs so one size does not fit all. We would suggest you get the best policy you can and check any small print to make sure that the policy provides you and your pet with the necessary cover.
Why is dental cover important?
Dental disease is the most common medical problem we see in animals. Over 80% of cats and dogs over the age of 3 have dental disease. Choosing an insurance company who cover dental illness and accident means you know your pet will be covered if we find a dental problem.
If I make a claim will my renewal be higher?
Some insurance companies do work like this, however, not all of them do. It is best to ask when obtaining a quote whether they penalise claims.
Please note that all insurance premiums will increase as your pet gets older.