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What is the point in insurance

We may go to the doctors without even a thought to how much it costs, that’s the benefit of our NHS. But one of the first things that may cross your mind when your pet becomes ill is ‘How much is this going to cost?’ Imagine not having to worry about this having the peace of mind that your pet is insured and you can just concentrate on getting them better.

Veterinary fees depend on a number of factors, for example where you live or the size of your pet. You could incur veterinary fees gradually if your pet develops an illness, or be faced with a large bill if your pet requires emergency treatment. Either way, where is this money coming from? Most of us are prepared for the initial costs involved with getting a pet, for example vaccinations, neutering and microchipping, and we all hope for our pets to live a healthy happy life. But are we prepared for the what if’s? What if your pet gets diabetes? What if your pet breaks a leg? This is where insurance comes in.

Policy types

So you have decided to get your pet insured, but now you are faced with a number of policies to choose from! Here is a guide to help you select the policy that is right for you.

Accident Only: This type of policy does what it says on the tin. It will only provide cover for costs resulting from an accident. Examples include car accident, being bitten, a fall or ingesting a foreign body. These policies are usually cheaper in monthly/annual costs, but bear in mind that if your pet becomes ill, this won’t be covered, and illnesses can cost just as much as accidents in vet fees.

Time Limited: There are policies that will provide cover for an accident or illness for a certain length of time, usually a 12 month period from the first date the condition started. There will also be a monetary limit on these policies, so it will be a case of whichever is reached first, the time limit or the monetary limit, as to how much cover is provided. Bear in mind that if your pet gets a lifelong condition such as diabetes or arthritis, you will only be able to claim the first 12 months of treatment. Thereafter the condition will become excluded.

Maximum Benefit: This policy offers cover for illnesses and accidents up to a specific amount of money. Once this monetary limit has been reached, the condition will no longer be covered.

Lifetime: These policies offer cover for accidents and illnesses for the pet’s lifetime. This is dependent upon you renewing the policy each year and keeping up to date with premiums. These are usually the most expensive policies, because they provide the most comprehensive cover. There will be a monetary limit per condition per policy year, or one pot of money per policy year that will cover all accidents/illnesses.

When choosing a policy, it is important to bear in mind the average costs of vet fees for different injuries/illnesses. Have a look at our handy guide of average costs. These costs will vary dependent upon where you live and the size of your pet, and obviously the severity of the condition/injury. We cannot advise you which policy to choose, so it is all about what would give you peace of mind in the event your pet falls ill or becomes injured.

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