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Pet health insurance

Veterinary medicine has advanced in recent years, allowing pets with once fatal conditions to be treated for longer. This does indeed extend your pet's life, but can be expensive.

We strongly recommend you take out insurance for your pet as soon as you can. There are of course many different companies with various different  policies. It is important that you research this carefully to see which policy would benefit you and your pet the most. Although we can not discuss individual policies we can give general advice concerning the "dos" and "don'ts" of pet insurance.

Life time policy

A life time policy will cover an illness for the length of your pet’s life. This brings peace of mind knowing that your beloved family member is covered for the whole of their life.

12-month policy

A 12-month policy means that once your pet has had a condition for 1 year your pet will no longer be covered for that illness. This could be a kidney or heart related illness which could be managed with medication for many years.

There will always be an excess to pay per condition per policy year. This varies with the age and sometimes the breed of your pet.

There are many different terms and conditions attached to all policies and we recommend that you read through all the details carefully.

Below are some points to consider:

  • Is the policy for your pet’s lifetime or is there a time limit?
  • Is the maximum amount of cover adequate per policy year?
  • Will the policy cover complimentary treatment e.g. physiotherapy, hydrotherapy & behaviourial medicine?
  • Is dental treatment covered? Some companies will not cover preventative dental care (e.g. descaling & polishing) and dental diseases such as gingivitis & periodontal disease. They may only cover dental treatment required because of injury e.g. a fractured tooth caused by some kind of trauma.
  • Once your pet has reached a certain age, do you have to pay a percentage towards the costs, as well as the excess?

If you decide to change insurance companies, be aware that you must declare any previous conditions your pet has had, as they will be excluded with your new company.

It is important to keep up to date with annual health checks and vaccinations.

We have dedicated staff that are happy to answer any questions you may have regarding pet insurance.

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