Unfortunately, our pets do get ill and injure themselves from time to time, so having a good pet insurance policy allows you to provide the best for your pet while knowing help is there for the cost of unexpected treatment.
We advise taking an insurance policy out for pets of all ages. Although illness is more common in older pets, accidents are more common in younger pets and bills can soon add up. In fact, the younger your pet is when you insure them, the better, as it means you are less likely to have any existing conditions which may not be covered by the policy. You can then receive more help covering the cost of any future treatment your pet needs.
Types of insurance differ in what they cover :
- Accident: provides cover for accidents only and no cover for illness
- Time-Limited: provides cover for a set amount of time (usually 12 months) and after this period the condition is excluded – often called an ‘Annual Policy’
- Maximum Benefit: provides cover up to a maximum amount of money per condition and once this limit is reached the condition is excluded
- Lifetime: provides a set amount of money each year which is refreshed each time you renew your policy allowing you to continue to claim for ongoing conditions
It’s important to choose the right cover. Sometimes, the cheapest insurance can cost you more in the long run. When shopping around for a policy, we suggest that you ask the following questions to allow you to compare the overall value you are getting, not just the price. “Does the premium go up after claiming?” and “What are the time or monetary limits on each condition claimed for?”
Unlike car insurance, it is not easy to switch pet insurance in the future as any pre-existing conditions your pet has are likely to be excluded, so it’s important to do your research and choose the right cover from the start.
We never want money to be an issue should your pet require treatment but there is also no doubt that the provision of high-quality veterinary care can be costly. We hope your pet stays in good health but, ask yourself, could you afford an unexpected veterinary bill of £2000?
In the absence of a Pet National Health Service, lifelong pet insurance may offer the best solution for pet owners. It is for this reason we suggest all our clients take out a good quality pet insurance product. We are a Vetsure-accredited practice and, as such, promote the Vetsure range of pet insurance products. As a recognised practice we benefit from active communication channels with the Vetsure team. This means that we can obtain pre-authorisation prior to starting treatment and can help make the claim process as easy as possible.
Why we promote Vetsure
The Vetsure pet insurance range has been designed in close collaboration with vets to try to keep things as clear and simple as possible. We work very closely with Vetsure to make sure that, should your pet require treatment, we will make the claims process as simple as possible.
Because we are a Vetsure accredited practice, all claims will be settled direct. This means at the time of treatment, simply pay the policy excess contribution and leave the rest to us!
Pick and choose from a range of benefits to suit you and your budget. You can further tailor your cover and choose between three excess levels (£69, £109 and £149). The higher the excess you choose, the lower the monthly premium. Vetsure will only charge the excess ONCE per unrelated condition (many pet insurers charge the excess every year – which can soon make costs add up).
Vetsure insurance policies aim to avoid the pitfalls so frequently experienced with other types of policies. Therefore, ALL Vetsure policies are ‘lifelong’, which means their policies provide cover for long-term and recurring conditions (just be sure to renew your policy and keep your premiums up to date).
Get 5 Weeks’ Free*!
Furthermore, as a fully accredited Vetsure practice we can offer our clients 5 weeks cover free of charge. Simply choose whichever level of cover you are interested in taking out and get the first 5 weeks free. If you’re happy, your cover will continue seamlessly!
To activate your 5 Weeks’ Free cover online, click the button below or you can call the friendly team at Vetsure on 0800 050 2022.
*you must contact Vetsure to activate your cover. Cover for accidents starts immediately once your free trial has been activated. There is a 14 day ‘waiting period’ for illness conditions – meaning illness conditions occurring or showing clinical signs during this period will be excluded. For more information visit www.vetsure.com