We strongly recommend that all our clients take out Insurance Plans for their pets at the earliest opportunity. There is, unfortunately, no NHS for pets. We have a wide range of advanced diagnostics and treatments and a good insurance policy will allow you to take advantage of these, in the event of illness, without the worry of the expense.
We recommend Pet Plan, and can provide you with four weeks free cover when you first bring your puppy to see us. We have chosen to do this as we find they give out clients a good service.
You are, of course, free to choose another company or not to take out health insurance.
Before taking out a policy, please note:
- Check the small print and level of cover carefully
- Lifetime v Annual Policies
A lifelong policy will pay towards long-term conditions for the whole of the dog’s life.
Some policies, often called annual policies, only pay for the first 12 months of treatment towards a condition. This is handy for problems that are solved quickly, like a broken leg. But please be aware that if your dog develops a condition that requires ongoing medication (like arthritis, diabetes or skin allergies), the insurance will only cover the first 12 months of treatment. After 12 months they will refuse payments towards the condition, regardless of whether you claimed your money back or not.
This is the amount you have to pay towards claims, you have to pay one excess per condition per policy year. This excess can increase as your dog gets older.
Pre existing conditions
Insurers will not pay out for conditions that were known about before the new policy was taken out, or occurred in the first weeks of cover, for this reason it is not advisable to change insurance companies.
Third party cover
This safeguards you if your dog attacks someone or causes a road accident, and is essential as you are responsible for your dog’s actions and these claims can involve thousands of pounds. If you are not taking out health insurance, it can usually be added to your household insurance or you can buy a standalone policy.