Neutering Health plans
At this practice we strongly recommend pet insurance.
One in three pets will need unexpected veterinary treatment this year. Although it is a cost many caring pet owners are willing to pay, bills can run into hundreds, and increasingly, thousands of pounds.
More people claim on their pet insurance than on any other type of insurance
Although important when choosing pet insurance, price should not be the prime consideration. Many companies now offer cheaper pet insurance and, while the price may seem appealing, many of the new policies come with hidden costs and often do not provide adequate cover. Policy holders can end up facing unexpected and sometimes huge vet bills when they come to make a claim. We would advise you to read leaflets carefully before committing to a policy, as it might not give you or your pet the protection deserved.
Over 30% of insured clients could find their claims for conditions such as skin, gastric and heart problems will no longer be paid after 12 months.
Make sure your policy does not have a time limit for veterinary claims. Many policies limit claims for the treatment of an illness or injury to 12 months. Several conditions can often persist for a number of years and require on-going treatment.
Beware of some policies that will only pay up to a specified Amount for any illness or injury. Check the maximum benefit for vet’s fees and whether the amount is reinstated annually particularly if a claim is made.
Exclusions at Renewal
Check that the insurer will not place exclusions at renewal for an illness that has occurred in the previous policy year or refuse renewal together.
Cover for Older Pets
When your pet reaches a certain age, e.g. eight years, some insurers will not renew policies at their discretion. However, as pets get older the amount paid out in claims increases dramatically, and you should expect your premium and excess to increase.
Check that the insurer will cover the following conditions if they are first noted after the start of the insurance:
Congenital and hereditary illnesses, hip related conditions, dental treatment, behaviour problems, diet food used to dissolve bladder stones and crystals in urine
With policies such as Petplan’s lifetime policy, there is no time limit on how long you can claim vet’s fees for each illness or injury, no matter how ill your pet may become or how much you may have claimed in the previous year. Cover for each illness or injury simply does not end, all you have to do is renew the policy each year and the full veterinary fees benefit will be restrained
Why should I insure my pet?
In recent years, veterinary medicine has become increasingly more advanced. We are able to diagnose and treat conditions that in the past would have been left undetected, sometimes with fatal consequences. But this more advanced treatment can be costly. One of the hardest positions we find ourselves in, is when a client is unable to afford the treatment cost and the owner has to opt for a less effective treatment option, or a less effective treatment option. That’s where pet insurance can provide that peace of mind that you do not have to make these difficult decisions, allowing you to focus on caring for your pet.
Why is it important to choose the right insurance?
As with all insurance, premiums vary significantly and depend on a number of different factors. It is important to select an insurance policy that provides a long term commitment to the health and happiness of your pet, but is also convenient for you. It’s extremely important to get this right from the outset as in our experience, if you don’t purchase the right policy early on you may struggle to switch to a better policy at a later date. This is because changing insurer could result in a break in cover and may mean conditions you have claimed for previously become pre-existing.