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Pet Insurance

Why should I insure my pet?

In recent years, veterinary medicine has become increasingly more advanced. We are able to diagnose and treat conditions that in the past would have been left undetected, sometimes with fatal consequences. But this more advanced treatment can be costly.

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.

One of the hardest positions we find ourselves in, is when a client is unable to afford the treatment cost and the owner has to opt for a less effective treatment option. That's where pet insurance can provide that peace of mind that you do not have to make these difficult decisions, allowing you to focus on caring for your pet.

Why is it important to choose the right insurance?

As with all insurance, premiums vary significantly and depend on a number of different factors. It is important to select an insurance policy that provides a long term commitment to the health and happiness of your pet, but is also convenient for you. It's extremely important to get this right from the outset as in our experience, if you don't purchase the right policy early on you may struggle to switch to a better policy at a later date. This is because changing insurer could result in a break in cover and may mean conditions you have claimed for previously become pre-existing.

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 conditions provides cover for accidents only and no cover for illness

Which plan and insurance is right for you?

Our practice strongly recommends pet insurance. Feel free to speak to us at the practice for advice on what to look out for when choosing an insurer.

There are many different insurers out there, and policies can differ wildly. You need to make sure you are getting the right policy to fit your needs. For example, a lifetime policy covers ongoing conditions with no limit on the time as long as there is no gap in cover. So if your pet were to develop for example a heart condition or diabetes, you would need a policy to cover for them for the rest of their life not just a set period.

Importantly, we advise to check the terms and conditions, a cheaper policy usually means less cover. If you’re shopping around, try asking questions like, “will my premium increase because I’ve made a claim”?

Pet Insurance

Contact us

Vale Vet Animal Hospital
1 Beach Road West
Portishead
North Somerset
BS20 7HR

Tel: 01275 847400

Email: info.portishead@valevets.co.uk

Main Opening Hours

Monday - Friday
8am - 8pm

Saturday
8.30am - 4.30pm