Benefits of Pet Health Insurance

Benefits of Pet Health Insurance

If your pet has an accident or serious illness, your Veterinary Surgeon's bill may be a cost you cannot afford.

Owning a pet is optional and a privilege. You need to take account of the costs of seeing a Vet when choosing to take on this responsibility.

Pet insurance mainly provides cover for veterinary fees if your pet becomes injured or becomes ill and is a sensible approach to making sure this does not become a concern. It can give you peace of mind that you are in a position to afford all the veterinary care that your pet may need.

We support the idea of pet insurance but do not recommend any specific scheme, as all policies are different and, under current financial laws, only qualified insurance advisors are allowed to give you advice on specific policies. Veterinary Practices can however discuss the general principles of pet insurance and the different types of policies available. The veterinary profession supports using insurance as a practical route to providing the best modern veterinary care when it is needed.

What are the benefits of taking out pet insurance?

Pet insurance mainly provides cover for veterinary fees if your pet is injured or becomes ill. However other benefits may include:

What types of pet insurance policies are available?

The cover provided by different products can vary considerably, ranging from accident- only policies to lifetime cover policies. You should choose the type of product and level of cover to meet your needs. For more detailed information you can take a look at and download the Association of British Insurers Pet Insurance Consumer guide at www.abi.org.uk.

What is not covered?

All policies will have some exclusions, the most common being pre-existing conditions (those your pet has already suffered from before the insurance is taken out), anything related to pregnancy or birth, and any routine, preventative or planned treatments such as vaccinations, spaying and so on. Most policies have a medical exclusion period from the start of the policy, often called the 'waiting period', which ranges from 10 - 30 days.