People tend to think it’s only older pets that get ill and therefore younger pets don’t need pet insurance but we know from the patients we see each day that that is not the case. In fact, the younger your pet is when you insure them the better as it means you are less likely to have any existing conditions, which may not be covered by the policy and you can then receive more help covering the cost of any future treatment your pet needs. It is important to note that not all pet insurance is the same. There are many different types of policy available and the level of cover provided can vary considerably.
The four main types of policy are as follows:
Accident: provides cover for accidents only and no cover for illness
Time-Limited: provides cover for a set amount of time (usually 12 months) and after this period the condition is excluded
Maximum Benefit: provides cover up to a maximum amount of money per condition and once this limit is reached the condition is excluded
Lifetime: provides a set amount of money each year which is refreshed each time you renew your policy allowing you to continue to claim for ongoing conditionsprovides cover for accidents only and no cover for illness
As you can see from the information above, the type of policy you choose can have implications for the veterinary care of your pet and the costs you will face so it’s important to choose the right cover. Sometimes, the cheapest insurance can cost you more in the long run. When shopping around for a policy, we suggest that you ask the following questions to allow you to compare the overall value you are getting, not just the price:
1. Does this policy cover congenital, hereditary, hip-related, dental and behavioral conditions?
2. Is there a time or monetary limit on how long this policy will cover ongoing conditions for?
3. If I claim, will my premium increase?
Unlike other forms of insurance it is not easy to switch pet insurance in the future as any pre-existing conditions your pet has are likely to be excluded so it’s important to do your research and choose the right cover from the start.
“This lovely team have been looking after my dogs, 4 of them, and cat for nearly 30 years. The compassion they showed when our dog Jenna was diagnosed with cancer was wonderful, right to coming to the house when we had to make the decision to let her go. We are now going through the same with our 18 year old cat Rosie. We know that the next few weeks are going to be hard and, ultimately, we will have to let her go too. I know that Rosie will get the same care when it’s her time and I wouldn’t want any other veterinary team to help us through what will be a heartbreaking situation. Your staff are amazing.”
“We cannot speak highly enough of the care given to our terminally ill dog, Charlie. We were consulted with and listened to throughout his illness and Charlie’s health and quality of life was monitored closely from start to finish. All staff were compassionate and kind to us and Charlie and his end of life was managed in as dignified and kindly a way as possible. Special thanks to Saul and Emma for their care, professionalism and understanding. Thank you, Vivien and Alison.”
“Highly recommended! Very helpful and efficient front of house staff. Relaxed atmosphere in waiting area. Unfortunately we had a good idea we would be leaving without our beloved cat Neo but special recognition to vet Suzanne for taking the time to explain diagnosis, prognosis and options and at the same time let Neo roam and be himself! You made an unbearable decision easier. Forever grateful for your care and time. Thank you xxx.”
“Seriously couldn’t be more proud to use this vet service, I’ve had to Have my 3 year old ferret put down today after she had what seemed to be a massive stroke that paralysed her, I’m beyond gutted but Powis have shown nothing but care and compassion towards her and me. Seriously couldn’t appreciate them anymore. Thank you to all the staff at Powis and Partners.”
“Have been using these vets for 30 years and would never take my animals elsewhere, the staff are excellent caring and helpful and the prices are reasonable compared to other local vets.”
