Pet insurance is one of the ways that, as a responsible pet owner, you can ensure that you are able to provide the necessary care for your pet throughout his/her life.
As well as helping to pay for veterinary treatment, pet insurance policies often provide cover for other things such as kennelling should you be hospitalised, help with costs of recovering a lost pet and cover should your pet cause damage to someone else’s property.
Advances in veterinary science mean that our vets are able to offer your pet increasingly sophisticated treatments to help keep them healthy and pain-free. However, some of these treatments can be expensive and for this reason we encourage all pet owners to take out pet insurance to cover against unexpected illness and injury. Having your pet insured allows you peace of mind when it comes to making decisions about your pets well-being.
Did You Know?
1 in 3 pets may require unexpected veterinary treatment each year?* Whilst advances in veterinary medicine mean we can do more for your pet, treatment costs can soon mount up. We recommend Petplan insurance to all our clients to help cover unexpected vets bills.
You may be surprised to hear that you are more likely to claim on your pet insurance than your car or household policies (Allianz Insurance plc). In fact, in our experience if you are one of the few people who don’t need to claim on your pet insurance you really are very lucky indeed!
Selecting The Right Policy
It’s important to be aware that not all pet insurance is the same. Some policies limit the amount of time or money that you can claim for. Don’t just shop around on price alone.
Things You Should Check About Your Policy
Check the Policy Type: Some policies cover a condition for a year others for the pet’s lifetime. Lifetime policies have a new ‘pot’ of money to claim from every year whereas 12-month policies only allow you to claim for a condition for one year while others limit the claim to a fixed sum of money regardless of the time period.
Check the Policy Excess: this is the part of the claim that is payable by the policy holder and not the insurance company – all policies have an excess but the amount may vary between different companies and over time as your pet gets older. Your excess may also include a variable amount based on a % of the total invoice. Details of your excess will be found on your insurance certificate or schedule.
Check the Policy Limit: Every policy has a limit on how much you can claim for veterinary fees. This limit varies between companies and between policies. It is very important that you are aware of this limit as you will be liable for any expense incurred above this limit.
The British Veterinary Association has produced a guide to choosing the right pet insurance:
British Veterinary Association Consumer Pet Insurance Advice.