- Pet Insurance
Without a doubt
the UK has long been known as a nation of animal lovers. For
many of us, our pets are a big part of our lives and are
considered one of the family. Therefore, when they fall ill
or are involved in an accident, it can be a very stressful
time for all involved. Not only do we have to worry about
the well-being of our pets, but also the cost of veterinary
bills. Therefore, in recent years, many people have chosen
to insure their pets to help lessen the burden of unexpected
veterinary bills and ensure that cost is not a limiting
factor in treating their pets.
There are a
number of pet insurance policies to choose from:
This policy is
usually available for dogs only and will cover any resulting
claim if your dog damages someone elseís property or
causes personal injury to a third party.
This type of
policy covers your pet if they require veterinary treatment
after an accident (e.g. hit by a road vehicle) but will not
cover your pet if they develop a medical illness.
Be aware that
some of these policies will only cover treatment for a
certain period of time.
with a time limit
This type of
policy will cover treatment fees for both accidents and
illnesses. It will only cover treatment for a maximum of 12
months after your pet has been diagnosed with a specific
illness. This policy typically has a maximum pay-out. This
means that if the veterinary treatment exceeds this limit,
you will have to pay the remaining balance.
policy the insurer will cover the cost of treatment of a
condition for as long as it lasts, provided you renew the
policy after 12 months (i.e. There is no time limit,
although a maximum benefit may be imposed per a condition)
This type of
cover is the most expensive but the most comprehensive. The
insurer has a maximum amount they will pay out each year to
cover both illnesses and accidents. The maximum amount paid
out will vary between insurers.
When buying insurance, there are other key points to
This is the
amount of money you have to pay when you make a claim. It
may be a fee set by the insurer or you may be able to choose
your excess level. If you opt for a higher excess, it will
reduce the cost of your insurance premiums.
procedures such as vaccinations, parasite treatment,
microchipping, neutering or anything related to pregnancy.
Many policies will not cover these treatments. However, we
would highly recommend keeping your pet up to date with
preventative care. It improves your petís overall health
and many insurers require certain preventative measures to
be taken e.g. vaccination for the policy to be valid. Your
petís insurance premium may be lower if their preventative
care is optimal.
procedures or burials fees:
These may or
may not be covered by your policy, so we recommend you check
with your insurer.
If you are
buying a new policy or switching to another insurer and your
pet already has a medical condition, it may not be covered.
pet insurance can greatly help support your petís health
throughout their life. Before picking a policy, it is vital
to do your research and carefully read the terms and
conditions of each individual policy.
pet while they are young, in good health and by keeping
their routine healthcare up to date you help ensure they get
the best cover for the best price.
Mullaney MVB MRCVS