Choosing the right pet insurance

1st November 2017

 

As veterinary medicine becomes more advanced, the cost of good quality pet care grows because of the increased costs associated with the drugs, equipment, facilities, staff costs and ongoing training to ensure the best qualified staff.

For many of us the cost of this care can be quite a problem. The good news is that with pet insurance you can offset some or most of the costs of diagnosing, treating and managing your pet's illness or injury at the time you need it most.

If you're considering pet insurance, talk to us at Bollington Veterinary Centre as well as looking on the Internet. Our vets and nurses have lots of experience dealing with many of the insurance companies and whilst we can’t recommend a particular insurance company, we will be able to offer you some professional help and advice.

 

Pet Insurance check list

  1. Lifetime cover - at Bollington Veterinary Centre we feel this is one of the more important things to check.  Too often we have owners disappointed when they find out their insurance only covers a condition for a period of up to 12 months. Most people prefer that their pet is insured for long term conditions for the whole of their life.
  2. Maximum cover - check the financial limits per condition. We find that if your pet has to be referred for specialist surgery, the maximum cover can be exceeded very quickly. You'll find there is lots of choice so get the cover that is appropriate for you.
  3. Annual budget - some policies allow you a maximum spend per condition per year. Knowing these limits can often be very helpful.
  4. Age policy – find out how your premiums will change as your pet ages. Most policy premiums increase.
  5. Exclusions - see if there are any conditions that may not be covered, such as dental treatment or congenital diseases.
  6. Read the small print – all insurance providers should clearly explain the policy details including the limitations and exclusions for routine as well as emergency care.
  7. What happens if you claim? – it’s important to know how your policy will be affected if/when you make a claim.
  8. Pre-existing conditions - check how your policy deals with conditions or illnesses that have already happened. You don’t want to assume that your pet is insured only to find that it’s not when you try to claim.
  9. Any breed restrictions – if you have a pet whose breed has known problems, it’s worth finding out what your insurer will and won't cover.
  10. Multi-pet household - some insurance providers will give generous multiple pet discounts. Ask the question and you may be rewarded with a discount.
  11. Understand the charges – have a good understanding of how you pay for the insurance. Are there higher fees for paying monthly or discounts for paying in one lump sum?
  12. Payments – check how you get reimbursed for fees you've paid. With most insurance companies you pay the bills up front and are reimbursed by the insurance provider later. Ask them how claims are processed as well as the expected time before you get your money back.

We can help you

Whilst we are able to help and discuss insurance with you, it's ultimately your decision which insurance company you choose to use. At Bollington Veterinary Centre we have lots of experience helping our clients make insurance claims, so don’t hesitate to ask us. You can be reassured we will point you in the right direction.

 

Need help with pet insurance? Call us