Why Do We recommend Pet Insurance?
With the advances in veterinary medicine we can offer more for your pet with diagnostic tests and subsequent treatment but this can end up costly.
Pet insurance allows you to budget for those unexpected bills by allowing you to claim back veterinary fees incurred during illness or accidents.
By having pet insurance you can concentrate on what is best for your pet rather than worrying about the bill.
Pet insurance policies can offer more than just veterinary fees cover.
Third party liability cover for dogs is increasingly important in case of legal action.
Complimentary treatment to cover certain treatments i.e. Hydrotherapy.
Death from illness or injury. (claim back the purchase price of your pet)
Boarding fees should you be hospitalised unexpectedly
Advertising and reward should your pet goes missing
Loss by theft or straying (claim back the purchase price of your pet)
Holiday cancellation cost should your pet need life saving treatment prior to/during your holiday
Quarantine -if your pets passport documents are lost you can claim the cost of duplicate documents and the cost of quarantine
Emergency repatriation should your pet become ill or injured during a trip and you need to make special arrangements to get your pet home.
ALWAYS CHECK WITH YOUR PET INSURANCE PROVIDER AS TO WHICH TYPE OF POLICY AND COVER YOU HAVE
Things to Consider When Choosing a Policy
There are many pet insurance policies available all with different premuims, excesses and cover. Please make sure you read and understand the policy before taking it out.
The team at Grove Veterinary Hospital and High Peak veterinary Practice are happy to help and advise on the different policies available.
Any pre exising condition will not be covered by any insurance company
Is the company you have chosen reputable?
Is the company a pet insurance specialist?
Have you compared the benefit levels and excesses?
Is it a 'Cover For Life Policy'?
Will the excess or premium increase each time you maker a claim?
Will the company cover your pet for ongoing conditions in to old age?
Check the company will not place exclusions at renewal for an illness that has ocurred in the previous policy year
Will your policy cover: congenital & hereditary illness, hip related conditions, dental treatment, behavioural problems any prescription diet food?
THE DIFFERENT TYPES OF PET INSURANCE AVAILABLE
Lifetime/Cover for Life Policies
Cover is provided up to a set amount (dependant on which policy is taken out) for Veterinary fees each year. The insurance will deduct one excess from each new condition claimed per year. Older pets may have an ongoing excess to pay of a percentage on each claim made.
As long as you continue to pay the premiums and renew your policy without a break in cover, there is no time limit on how long you can claim for each illness or injury. No condition will be excluded once claimed.
THIS IS THE TYPE OF POLICY WE RECOMMEND.
Cover is provided up to a maximum amount per condition. There is a 12 month time limit on how long you can claim for each condition. After 12 months, the condition you claimed for will be excluded from the policy.
Maximum Benefit Polices
Cover is provided up to a maximum amount per condition but there is no time limit on how long you can claim. Once you have claimed the maximum amount for that condition you can no longer claim and the condition will be excluded from your policy.