For pet lovers one question arises what is the best pet insurance for cats. I will be sharing with you some information on pet insurance. Why might you want to consider pet insurance? Did you know that on average one pet in three will require veterinary treatment this year. There is a chance that this treatment will be a one-off problem like broken bones after a road accident. However, it may equally be an ongoing problem like diabetes, a skin allergy or arthritis. However, with this comes an increase in cost of first-class veterinary care and in some cases an owner’s finance can become a limiting factor.
Thankfully, it is possible to insure your pet against accident, illness and injury, taking into consideration that vaccinations, elective procedures like neutering, pregnancy, diets, most preventatives (e.g.Vaccinations flea and worming products) and pre-existing conditions are not included in the insurance. Some companies do offer a pensioner or multi-pet discount, which benefits many people. Like your home and car insurance, pet insurance will have an excess whereby you will pay a contribution for each condition being treated, and the rest is paid by the insurance. In this way, your pet gets the very best treatment that money can buy. Depending on the policy and the company you choose, it may be possible for us to claim treatment costs directly from the insurance company, but it is a essential to discuss this first with a member of staff, because there are some companies where for various reasons this is not possible.
Without insurance, you have to fund the cost of your pet’s treatment yourself and if your finances are limited they may mean you have to opt for the second best treatment available for your pet. If you own a dog you are legally responsible for your dog’s actions. If your dog causes an accident, damages property or injures someone then this may be covered by a pet insurance policy. When selecting a policy it’s vital to make sure that you understand the cover you are getting and, even more importantly, what will not be covered. Here at Lawn Vets, we choose Cover for life policies for our pets, however, there are three different basic types of policies to choose from; they are Time-capped, Maximum benefit and Cover for life. Time-capped is where conditions are only covered for 12 months. These policies are often cheaper, but we don’t recommend that you take them out.
This is because after 12 months, the condition will no longer be covered and you will have to fund further treatment yourself. You need to remember that taking out a new insurance with a different company won’t give you more cover, as the new company will exclude the problem as a pre-existing condition; this applies to both Time-capped and Maximum benefit policies. Maximum benefit includes having a specified amount in your cover that can be spent treating a condition. There are no time restrictions on these types of policy, but once the total amount available has been paid out, the insurance cover stops and you will have to personally fund any further treatment costs.
Another type of policy available to you is Cover for life. These policies typically provide a specified amount of cover that can be claimed in any year, which is renewed each year along with the policy and hence your pet is covered for life. You will be required to pay excess fees each year should you exceed the amount you have covered for the year, but otherwise you are completely insured. We would always recommend discussing insurance with us first, and we can give you a general recommendation subject to current legislation. We will be well aware of pet insurance companies that are currently good and others who can be more challenging for owners to deal with. Generally, the best advice is to take out cover for life pet insurance with an appropriate level of cover as soon as you get your puppy or kitten.
Choose a reputable company and renew each year, keeping the same policy with the same company. If you change your policy in anyway, even with the same company, or if you renew with a different company, then you must remember that any previous conditions or related problems, even if you haven’t previously made a claim and including conditions that haven’t even been treated, will not be covered by the new policy. Be aware that some policies will only cover an illness for 12 months before cover stops, while others provide life-long cover for ongoing conditions. Chronic conditions can go on for life, not just for 12 months. Make sure the vet fee is renewed every year and not a fixed amount, as well as checking that there is no limit on how long you can claim for each illness.
Finally, check that your pet will be covered in later years when they are older. As always if having watched this video you have any questions or if you would like more information then please phone or email the surgery, we’re here to personally help give you the very best advice and treatment possible for your much loved pet, thanks for watching any feedback regarding this video would be very much appreciated.