Veterinary medicine has become increasingly sophisticated and we are able to diagnose and treat many conditions that a few years ago would have remained undetected with often fatal consequences, especially in the older pet.
One of the most distressing situations is where a pet’s problem is curable but the cost is too high for the owner and the animal has to be put to sleep. Another serious situation is where an owner has to opt for “less than best” veterinary treatment due to monies not being available.
Pet insurance can help you avoid such situations, but when selecting an insurance policy there are a few things you should take into consideration:
Ensure that the amount of veterinary cover is adequate for your pet - bear in mind that advances in veterinary medicine means that we can do more now to treat complex medical conditions, however this can make treatment more expensive.
Check that the policy is for life and not just for 12 months or up to a maximum benefit - some insurance companies will only cover an illness/injury for the first 12 months of onset of the condition or up to a maximum amount. After 12 months or once you have reached the maximum benefit the condition will not be covered and you will have to pay for any further veterinary treatment. We recommend taking out a 'covered for life' policy. Cover for veterinary fees under these types of policies is provided up to a set amount each year and there is no time limit on how long you can claim for each illness and injury providing you renew the policy without a break in cover.
Check whether your pet will still be covered later in his/her life - some insurance policies will not cover pets once they reach a certain age and you will have to pay for any veterinary treatment needed.
We recommend taking out insurance for your pet with Pet Plan as they provide a cover for life policy. They will they provide cover each and every year of your pet’s life even if he is diagnosed with a life long condition such as heart disease or diabetes. Kitten & puppy owners will receive 4 weeks free immediate insurance cover with Pet Plan as part of their initial vaccination course.
Our receptionists are specially trained pet insurance advisors, please either ring or drop into one of our surgeries for further advice.