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.
“Great experience when we took our dog who ripped his dew claw after our usual vet couldn’t see him in time. Really happy with the service and the new clinic is great.”
“Having been fortunate to be shown around the new Powis vets premises, all we can say is “WOW”, what a beautiful suite of buildings it is!! All lovely and new! We had wondered about the limited parking there, but the four visits we’ve made so far, we’ve had no problems parking at all, with plenty of allocated parking spaces available.
The assisted front entance leads to a spacious reception and waiting area, all done out in white and soft grey coloured furnishings, giving it a professional but calming feel. There are consulting rooms and a toilet leading off, with an animal weighing machine there too. The many back rooms are treatment and operating rooms, all spacious,and fitted out with the state of the art equipment and facilities, fit for the purpose. Also with separate cat and dog recovery wards.
The upper floors are offices with plenty of storage space, with the option to expand if it needs too. We were very surprised at how much room there actually is. Thank you for letting us look around. We are very impressed!!”
“Took my daughters elderly dog who I was looking after while she was away. Mr Powis did a thorough examination, took his temperature, checked his posture and took a blood test. Due to the results, an injection was required and a course of medication. Overall very pleased with the service received, very professional and caring people who work there.”
“These guys are the only vets I trust with my 8 ferrets. All the nurses and vets are lovely and they know what they are doing! Most vetinary practises don’t have a clue when it comes to ferrets and charge and absolute fortune for the pleasure of dealing with them. But these guys are experts! And so so friendly and helpful! Really good prices too compared to everywhere else!
Thank you from me and Kyro, Polly, Missy, Mr Shelby, Cody, Wilbur, Ivy and Khaleesi ”
“So I used to use powis and partners years ago with my previous 3 dogs and when I had my new dog I started to use a local vet just up the road and to cut a long story short, after much disappointment I’ve gone back to using powis and partners. This vetinary practice is one of if not the best in the area, always friendly with my dog, excellent service that’s second to none and the charges for their services are very reasonable aswell. Couldn’t be happier with powis and partners!”
“Neutered 2 of my ferrets for a reasonable price and we’re very reassuring when I was concerned and got us a follow up appointment within the hour. Will definitely come back if needed.”
“Bought my GSD pup here just to be weighed up for worm and flea treatment upon registering I came across the health plan offered by the practice which is absolutely fantastic value for money £5 more than I was paying a month for just worm and flea treatment and you get many additional bonuses with that subscription. During my visit the staff I dealt with were extremely helpful and friendly, my pup was having an issue with her belly and getting the runs regularly, the vet was quick to prescribe a medicine that has worked wonders in just 3 days which gives a settling confidence as a consumer knowing that the vets here are well educated and professionals in their field, would highly recommend”
“Staff very polite, very good with my spring spaniel been going for 16 years, rarely have any problems. Glad we can call on them when our dog is ill, gives us piece of mind.”
“Powis & Partners seen my baby chihuahua very quickly for an emergency appointment. She was checked over by a lovely male and female vet who diagnosed the condition promptly, informing me of the condition she had and how to treat it effectively. Thanks to Powis & Partners my baby is back to her happy, playful self.”
“Charlie had a lump removed and the attention was fantastic. Staff were very informative and assured me all had gone well. Dispite a return visit the day after the staff were brilliant. I have been using Powis and Partners for a very long time with my past 3 dogs so i put my trust in them to look after my pets.”
“Took my dog Rosie to this vets today, excellent service, was greeted by lovely reception ladies especially the lady recommending the vet app and the vet ladies were very helpful and very friendly Definitely recommend this vets, best one by far.”
“We have been bringing our dogs for many years and always found Powis to be such a friendly vets in every way. I phoned the other day for some advice about some chicks that had hatched at the school I work at. The staff at Powis were so much more helpful than all other vets we tried. Although there was nothing Powis could do in the end, the vet nurse there even phoned back to try and help further. I feel their love for the animals always shines through. Thank you! 💕”
“Been with this vets for over twenty years now. Through the good times and the bad the team are always professional, knowledgable and caring, thank you Powis and partners”
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