Did you know that you’re more likely to claim on your pet insurance than your car or home policy?

There are a range of pet insurance policies and so it is very important that you make an informed decision when choosing one for you and your pet.

Lifetime: 

This is the most comprehensive type of cover you can get.  You pay premiums every year during your pet’s life and the insurer will have to keep covering you regardless of age or any existing conditions (subject to conditions).  Conditions will be covered for the life of your pet (up to your maximum benefit) and cover will renew at each policy year.

Annual: 

You pay for 12 months’ worth of cover on a rolling basis, giving you the option to switch to a cheaper policy each year.  This kind of policy costs less, but might offer less comprehensive cover and generally will not cover pre-existing conditions, therefore if your pet were diagnosed with an ongoing condition (such as arthritis or diabetes) then they will only be covered until the end of that policy year.  At renewal you will not be covered for these ongoing costs.  These policies may also prove difficult when wanting to insure an older pet.

Accident only: 

This is the most basic and cheapest level of cover available. It covers accidents (such as your dog being hit by a car), but not illnesses.

Did you know – according to Which? 70% of all pet insurance claims are for illness, not accidents.

Practice policy.

As a practice we do not routinely offer direct claims.  We kindly request payment is made at the time of treatment and we will then process your claim form within 2 working days to ensure you receive payment from your insurance company as quickly as possible.  In order for us to do this please provide us with a claim form from your insurance company with the owners section fully completed by the policy holder, including your policy number.  Please ensure you have also signed the relevant section.  We will then complete the Veterinary section and will include all invoices relating to treatment.

Please note we do charge an administration fee for processing your claim form for you.  For a first claim this is £10 and for a continuation claim this is £7.50.

If you ever have any questions regarding insurance then please do not hesitate in speaking to a member of the team today.