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online quotes with no obligation.
According to the Association of
British Insurers (ABI) the average claim for emergency treatment is £750.
What pets do you cover?
We can provide cover for your pet cat, dog and rabbit.
What is covered by Veterinary fees?
The cost of diagnosing and treating illnesses and/or injuries. This normally includes the cost of consultations, examinations, tests, x-rays, MRI scans, medication, bandages, surgery, and
hospitalisation. Also, it often now includes alternative therapies like acupuncture, homeopathy, herbal remedies and complementary treatments such as physiotherapy, osteopathy, chiropractic and
hydrotherapy.
When should I get pet insurance?
We would recommend that you purchase a pet insurance policy as soon as you get a new pet as most policies won’t cover the cost of treating any pre-existing medical conditions, as it is
often too late to buy a policy once an injury or illness has occurred.
What levels of insurance cover are available for pets?
There are four main levels of cover available:
- Accident-only.
- Per condition.
- Annual insurance
- Lifetime insurance.
Accident-only:
This type of policy as the name suggest only covers medical expenses that you incur when your pet is injured in an accident.
NB: Some accident-only policies also limit the total amount they’ll pay out for a single accident, while others might only pay out for a limited period of time after a pet is
injured.
Per-condition:
Provides a set amount of money towards veterinary treatment for each condition or illness within the policy year.
NB: Make sure you check the limits that the policy will pay out for as certain conditions may apply such as:
- they may be limited by the amount they will pay out to or
- be limited by the length of time it will pay out following diagnosis.
As once that time or monetary limit has been reached the policy usually no longer covers any expenses relating to that particular condition.
Annual insurance:
This type of policy gives you 12 months’ worth of cover which allows you the flexibility to switch insurance provider each year if you find a cheaper quote. You should also note that as your pet
gets older you may find it more difficult to find insurance.
NB: It’s also important to understand that each time you take out a new annual insurance policy previously diagnosed conditions generally won’t be covered, as the new policy will class them as
pre-existing medical condition.
Lifetime pet cover:
This is the most comprehensive level of cover available.
You pay premiums every year during your pet’s life and the insurer will have to keep covering you regardless of age or any existing conditions (subject to conditions).
Conditions could include a maximum annual pay-out amount. These policies are sometimes known as annual benefit policies, because they have a per-condition limit that is renewed annually along with
the policy.
NB: As your pet gets older your premiums are likely to go up.
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