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.
“Having never had to use a vets on a personal level before (my parents have always been in charge) I went on recommendation with P&P and I’m so glad I did. The staff are so kind and caring both to pets and and to their owners. They remember you, chat to you and show real interest in the lives and antics of your furbabies. I know Benjamin and Jemima are always in the very best of hands whenever they have to come to the surgery and cannot thank the whole team enough so far!”
26th May 2020
“I came to the surgery yesterday to bring my kitten in for her 1st vaccination the system was very efficient, even though they were busy it was a lovely experience especially the situation that we’re in at the moment. Thank you to all the staff!”
22nd May 2020
“Always friendly and professional. In not so happy times, they have been wonderful and supportive. The little touches meant the most. Thank you.”
20th April 2020
“I just want to say how fantastic Powis and Partners are for unexpectedly delivering Bellas flea and working tablet. Thank you so much your all absolute stars 🌟… always taking care of our fur babies…hope your all well and keeping safe thank you for doing all you can is this unprecedented time.”
11th April 2020
“Wonderful staff, nurses, vets & receptionists, all very caring. Just a wonderful team of people. Excellent reminder service for flea, worm treatment & yearly vaccinations and check ups…etc . Thank you all x
25th March 2020
“Can’t thank Pam and all the staff there enough for the care and compassion they showed my Lily today when she had a bad reaction to her vaccinations. From reacting so quickly, keeping me up to date with her progress, wiping my tears and making me tea, every single one of those ladies were amazing. Thank you so much 💗 I’ll forever be grateful.”
31st January 2020
“We had the heartbreaking decision to put our beautiful doggie Taz to sleep after 17 and a half years companionship and I can’t fault the excellent service we received with compassion and understanding even received a condolence card through the post from them this morning which was a lovely gesture thank you.”
4th December 2019
“I would like to say a big thank you to all the staff. Every time my boys go in they are well looked after. They are the most caring, friendly, helpful staff I have ever met. I would recommend this place always they help me with insurance forms to saving my boys life and I thank them with all my heart.”
31st July 2019