We highly recommend pet insurance for all of our patients. Having pet insurance will greatly relive financial influence on a pets medical treatment.
We are not affiliated by an insurance company and chose to remain mutual. This means although we can not openly recommend a particular company we will give you an honest, uninfluenced opinion. Here are some helpful; tips to consider when purchasing pet insurance:
Price: Unfortunately with insurance you generally get from it what you put in. The more expensive the insurance is generally, the better it is. If it seams to good a price to be true, check the fine print.
Life time Vs Yearly: These two options are available from most insurance companies and despite popular belief they do not represent how they are paid for. Life time insurance is more expensive in comparison but, life time insurance covers any condition from the start date until the insurance is cancelled. Where as yearly insurance renews each policy year. So if your pet has a medical problem in that year no matter how much you claim for it, it will not be covered in the next policy year. We will always recommend to get lifetime cover.
Read the fine print: Always read the fine print and the T&C's when looking at pet insurance. This will tell you in great detail what is and is not covered. E.G. some companies will not cover cruciate disease in some conditions. It is vital that you know what you are buying.
Excess: Fixed Excess is a fixed fee you will pay towards any claim. It is important you find out how much your Fixed excess is and, if there is a percentage excess. Percentage excess state that you will pay a certain percent of the total claim. E.g. a 10% excess on a £500 vet bill will be your fixed excess plus £50.
If in doubt about insurance feel free to contact our surgery to discuss in more detail.
Jack Player RVN VNCertECC
Registered Veterinary Nurse (RVN)
Veterinary Nursing certificate in Emergency & Critical Care (VNCertECC)