Pet Insurance


It is said that 1 in 3 pets in the UK need veterinary treatment at least once a year to a level that would mean a claim on their pet insurance.

Fact: It is said that 1 in 3 pets in the UK need veterinary treatment at least once a year to a level that would mean a claim on their pet insurance.

Fact: You are more likely to claim on your pet insurance than you are on motor or household insurance

Fact: It is estimated that only 15% of dogs and 9% of cats in the UK are insured

Veterinary practices are now able to diagnose and treat a wide range of diseases and conditions, especially with recent advances in equipment, drugs and new veterinary techniques. The costs involved when animals are referred can dwarf the costs people are used to in our own surgery.

It is often difficult for us when the barrier to curing a pet's condition is the financial cost to the owner.

This is why we recommend you take out pet insurance, as insurance cover means we can do the best for your pet.

Listed below are some typical costs incurred in treating various conditions:
  • a Westie with skin problems, tests & medication needed for a lifetime £2000.00
  • a cat with a broken leg following a road traffic accident £500.00
  • a Labrador with a womb infection needing a hysterectomy £350.00
  • a dog requiring referral and operation with an eye specialist £1500.00
With pet insurance the priority is finding what is wrong and making your pet better without increased anxiety by worrying about the bill.

Nowadays there are many types of pet insurance policies on offer. We recommend you read the following points but always read the small print before taking out a policy. The cheapest is not always the best. Be aware that constantly changing your pet insurance provider could leave you out of pocket as anything claimed from a previous insurance will become a pre-existing condition and no longer covered by the new insurer.

The best time to take out pet insurance is before anything goes wrong or before a condition is diagnosed.

Puppies and kittens are ideal candidates for insurance because:
  • there is a higher chance of a young animal having an accident.
  • if they are insured when young, any growth or hereditary conditions discovered after taking out the insurance will be covered.
  • you cannot tell whether a puppy/kitten will be accident prone/healthy/unhealthy, even if you have had the same breed before.
  • older pets are also more prone to illness/disease and so are better to be insured. You should be aware that some insurance companies have age limits after which pets cannot commence insurance.
  • whether you have spent a lot of money purchasing a pet or have re-homed it for free, they will all cost the same to put right if they have a road traffic accident.
  • third party cover for dogs is also important, so that you are covered for damage or injury your dog may cause.
A good insurance scheme should offer:  
  • cover for illness, accident and third party claims.
  • lifelong cover - not excluding conditions when policy is renewed or being 12 month limited by time.
  • clear concise information regarding premiums and excesses for the first year and expected for future years.
  • cover against hereditary and congenital conditions.
  • no exclusions or added premiums as pet gets older.
  • a quick and concise method of settling claims when submitted.