- Pet insurance provides cover for veterinary fees should your pet become injured or ill.
- As a pet owner, it provides you with peace of mind, knowing you can afford the best available treatment for your loved ones.
- We recommend the concept of pet insurance because we believe it is in the best interest of your pet – we do not recommend one individual policy over another.
- Apart from veterinary fees, pet insurance often includes other cover such as:
- Hydrotherapy & Complementary treatment
- Damage to someone else’s property.
- Purchase price of your pet.
- For lost pets, the cost of advertising and the cost of a reward.
- Costs of looking after your pet if you need to go into hospital.
- Costs of cancelling your holiday if your pet requires emergency care close to departure.
What is not Covered
- Anything that relates to your pet’s medical history prior to the policy starting (pre-existing conditions).
- Anything related to pregnancy.
- Preventative health care such as vaccinations, flea and worm treatment, neutering (a few companies do make a contribution towards preventative care).
- Routine dental care (not always excluded).
What to Consider
- Amount of Cover Provided: There are three general types of cover, ’Time and Benefit Limited’, ‘Benefit Limited’ and ‘Life Cover’.
- Premiums: This is the cost of the policy. Typically you get what you pay for, the more substantial the cover then the higher the premiums.
- Excess: The amount you pay towards the cost of the treatment. Varies depending upon insurance company and policy so check the details.
- Changing your Insurance: Be careful! If you change after a medical condition has occurred it is likely to be excluded under the new policy. When first choosing, carefully consider your needs now and in the future.
- Age: Typically, insurance can be taken out from 8 weeks of age. As your pet gets older, unless you have an existing policy that you can renew annually, insurance cover for pets over 8 years of age is harder to find.
- Check Details: Always check details, as the amount of cover, what extras are covered, what is excluded, premiums and excesses do vary.
Three Different Types of Cover
Time and Benefit Limited
- 12 month policy for each medical condition, up to a financial limit.
- Each condition covered for 12 months
- If financial limit reached within 12 months, cover stops.
- Once the limit is reached (time or financial) then the condition becomes excluded and it is excluded from future claims.
- Basic policy and usually the cheapest.
- Financial limit for each new condition.
- Each condition is insured until financial limit has been reached.
- No time limit provided you keep insurance cover in force.
- Once financial limit reached, then the condition becomes excluded and it is excluded from future claims.
- New conditions are insured up to a financial limit each year.
- Where the financial limit is reached in the year, no further claim can be made until you enter a new policy year.
- No limit on how many times the condition can be covered in this way – ‘life cover’.
- Most comprehensive policy available.