insurance and your pet
This fact sheet attempts to answer the questions most frequently asked by owners. If you would like to discuss anything further please speak to one of our veterinary nurses or receptionists. Kate and Cecily, our Dorchester receptionists, deal with most of the insurance claims and will be delighted to help. Call them on 01305 251632.
Did you know?
- Approximately 630 cats are involved in road accidents every day.
- Technological advances mean that vets are able to do much more for your pet, using all the latest diagnostic tools and specialist referral centres—but this comes at a price.
- You are more likely to need to claim on your pet insurance than your motor or household insurance.
There is a whole list of ways in which your pet can unexpectedly cost you money. Pet insurance can give you peace of mind when your pet is ill but had you thought of offering a reward if you lose your pet; paying boarding expenses if you are ill or having to pay compensation if your pet causes damage or injury?
Pet Insurance can cover these expenses but you need to look closely at the type of policy. NOT ALL POLICIES ARE THE SAME.
There are generally 3 types of policy cover:
“Life Time” or “Covered for Life” Policies:
- Cover is provided up to a set amount each year which is renewed at the start of each policy year
- As long as you continue to renew the policy without a break in cover, there is no time limit on how long you can claim for each condition
- Ideal if your pet is diagnosed with a condition that needs ongoing treatment
- Cover is provided up to a maximum amount per condition
- There is a 12 month limit on how long you can claim for each condition. This means that ongoing conditions such as diabetes will only be covered for the first 12 months
- After 12 months the condition you claimed for will be excluded from the policy and you will not be able to claim for it again
“Maximum Benefit” Policies:
- Cover is provided up to a maximum amount per condition but there is no time limit on how you long can claim
- The remaining benefit reduces each time you claim until the cover is exhausted
- After the maximum benefit is reached you can no longer claim for ongoing treatment for that condition
There are many companies who now offer pet insurance and it is important to read the “small print” very carefully to see exactly what you will get for your money.
We can also issue cover notes for 6 weeks free insurance to puppies and kittens at the time of their first vaccinations.