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pet insurance
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Veterinary medicine has in recent years, become increasingly
sophisticated. We are able to diagnose and treat many
conditions that a few years ago would have remained undetected.
With these advances the cost of treating your pet may become
quite expensive. We are also able to offer referral to
specialsised Veterinary Surgeons and this can prove quite
expensive too. Pet insurance can give you peace of mind that
your pet can always receive the best treatment available.
There is no NHS for pets and pet insurance is an ideal way to
help cover costs.
To give you an example of some treatment costs read the stories below:
When Melanie's cat, "Puzzle", was hit by a car she was
referred to a specialist orthopaedic surgeon to have
a broken leg mended. The bill came to £1,300. Luckily Melanie
had pet insurance and only had to pay an excess.
(Melanie works at the practice)
Tricia's rabbit, "Dylan", developed a head tilt and was seen
by the Veterinary School in Edinburgh. Her bill came to over
£280 and could have increased as further tests, including a MRI scan
(which was quoted as £600-800), might have been required. Dylan's mum did not have
pet insurance so she had to pay the full cost herself. (that was me
by the way!)
points to consider~
- pet insurance doesn't cover things like vaccinations, neutering or worming.
- you will have to pay an excess per condition, per policy year
- pre - existing conditions may not be covered
- you normally get 3rd party cover with dog insurance
- some companies will pay for 'alternative' therapies e.g. acupuncture
- more and more people are insuring their rabbit or reptile
remember!
read the small print!
life long cover 
Some companies will only cover an ailment for 1 year, this means
that after 1 year your pet is no longer covered. Look for a policy
that offers either "cover for life" or a very high amount of money
to spend per condition before the insurance runs out e.g. £4000.
For example - an 8 year old dog with arthritis that requires
medication and acupuncture may live to the ripe old age of 15. You
want your pet insurance to still cover him for his arthritis from 8 - 15 years old and
not run out after 1 year.
how to make a claim
Bring in your claim form to reception, make sure all the owner
details have been filled in as we are unable to write on this
part of the form. We will complete the veterinary section, attach
itemised invoices and post all the documents to the insurance company
for you. Unlike some veterinary practices we do not make an administration
charge for this service as we feel this is unfair to the client as
most insurance companies will not pay this. We want all insurance
claims to be processed quickly for our clients.
We prefer clients to pay us directly and then make a claim
to their insurance company. In exceptional circumstances, and by
prior agreement, you can arrange for your insurance company to
pay us directly. You will be liable for the excess and anything
not paid by your insurance company. There will be no extra
charges made for this service.
which company to choose?
Under recent FSA legislation we are only able to
give detailed information about PetPlan . We are able to provide
literature and contact details of other companies but are not able
to recommend any.
We are able to discuss and give you advice about pet insurance
in general and if you need any help please come in for a chat
or phone us.
FSA (financial services authority)
back to pets info
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