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Your Animal Insurance
An animal insurance policy is a contract between the animal owner and the insurer.
What to look for when choosing a pet insurance policy?
There are a number of different policies on the market with prices reflecting the amount of long-term cover offered. It is worth remembering that some conditions - such as diabetes, hypothyroidism and arthritis to name a few - will require long-term treatment and can become costly if insurance only covers diagnosis and one years treatment before exclusion.
Lifetime / Covered for Life policies
Cover is provided to a set amount for veterinary fees each year which is renewed at the start of each policy year. As long as you continue to renew the policy there is no time limit on how long you can claim for each illness or injury, it is ideal for long-term treatment.
NB: Usually for ongoing conditions an excess will have to be paid every year.
Cover is provided up to a maximum amount per condition. There is usually a 12 month limit on how long you can claim for each condition so should treatment be required beyond this time you will have to start paying - after 12 months this condition will be excluded from the policy, for example if your pet breaks a limb the initial treatment and repair would be covered but after that year you would be unable to claim anything if this limb is injured again or arthritis develops.
Cover is provided to a maximum amount per condition (e.g. £3,000) but there is no time limit on how long you can claim for. Once you have claimed the maximum amount the condition will become excluded from your policy.
Did you know?
- 1 in 3 pets may require urgent veterinary attention every year. (Source: Datamonitor - UK Pet Insurance)
- You are more likely to claim on your pet insurance than your car or household policies (Source: Allianz Insurance plc)
- Third party liability cover is increasingly important for dogs in case of legal action
Things to consider:
- Is the company reputable?
- Is the company a pet insurance specialist?
- Have you compared the benefit levels and excesses?
- Will the excess or premium increase each time you make a claim?
- Will the company cover your pet for ongoing conditions into its old age?
- Check if the company will place exclusions at renewal for an illness that has occurred in the previous policy year.
- Will your company cover: congenital and hereditary illness, hip-related conditions, dental treatment, behavioural problems, diet food used to dissolve bladder stones and crystals in the urine?
- If your pet has an illness or injury noted on its record before the policy is taken out the insurance company will probably not cover that condition.