Neutering Health plans

PET INSURANCE

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.

Time Limit
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.

Maximim Benefit
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.

Excluded conditions
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.

Which plan and insurance is right for you?
Our practice promotes Petplan insurance for your pet as they are the UK’s favourite pet insurance provider. They offer a true lifetime policy and cover more things like dental and hereditary conditions as standard, making it no surprise that they are the UK’s No.1 pet insurance provider. There are two main plans which Petplan provide, one being a 12 month plan called Essential, and the other being their signature lifetime plan called Covered For Life®. Take a look at Petplan’s full range of insurance plans here.

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Our practice recommends Petplan’s Covered For Life® policies as you don’t have to worry about your cover reducing when you claim, as veterinary fees cover renews each year no matter how often you claim, as long as you renew your policy each year with no break in cover. By insuring with Petplan, your premium will not increase based on your claim history alone and you will also receive exclusive discounts on a number of pet related products and services.

Why not try before you buy…

Get the right insurance policy for your pet provided by Petplan. For 4 weeks’ free Petplan insurance simply pop into our practice and ask an insurance advisor, or go directly to Petplan’s website to activate your own voucher, which can be found here.

 

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Need more information?

For more information about Petplan insurance please give us a call or pop into the practice and speak to one of our trained insurance advisors. You can also take a look at Petplan’s website, which can be found here.

Petplan is a trading name of Pet Plan Limited and Allianz Insurance plc. Hampton Park Vets is an Appointed Representative of Pet Plan Limited and is not part of the Allianz (UK) Group.