Insurance

Why Is Pet Insurance is Worth Considering?

Pet insurance helps cover the cost of vet bills if your pet gets sick or injured. It’s a great way to
make sure you’re not caught off guard by unexpected expenses, and it gives you peace of mind
knowing you can say “yes” to treatment when your pet needs it most.

With veterinary care becoming more advanced and more costly, more pet owners are choosing to
insure their pets.

What Does Pet Insurance Actually Cover?

While every policy is a little different, most will cover:

  • Vet bills for illness or injury
  • Third-party cover (if your pet injures someone or damages property)
  • Costs if your pet is lost, stolen, or sadly passes away due to illness or accident
  • Cover for emergency boarding if you end up in hospital
  • Help with holiday cancellation costs if your pet needs emergency surgery
  • Emergency vet care abroad if your pet is travelling under the Pet Travel Scheme

Just keep in mind routine treatments like vaccinations, neutering, flea and worming treatments, and annual health checks aren’t usually included.

That’s where our Pet Health Club can help, by spreading the cost of your pet’s regular healthcare throughout the year.

Different Types of Pet Insurance

Time-Limited (12-Month/Annual) Policies

Covers a condition for up to 12 months from when it starts. After that, it’s no longer covered - even if you’re still treating it.

Maximum Benefit Policies

Gives you a fixed amount of money to claim per condition, with no time limit. Once you’ve used up that amount, the condition won’t be covered again.

Lifetime Cover

The most comprehensive option. These policies reset every year and continue to cover long-term or recurring conditions (like arthritis or skin problems) for a specified amount every year if you keep the policy going. Every insurer does things a little differently, so it’s always worth reading the fine print before you choose.

A Few Things to Be Aware Of

  • Most insurance companies won’t cover anything that’s happened before the policy starts (this is called a pre-existing condition).
  • If you make a claim, then switch to another insurer later, the new company will likely exclude that condition.
  • Some policies automatically exclude breed-specific health issues, so check carefully.
  • You’ll usually need to pay an excess-this is a fixed amount you pay towards each claim.
  • Some companies also add a co-payment, which means you pay a percentage of the bill (especially as your pet gets older) in addition to your excess.
  • There may also be admin fees when making a claim.

Our Advice

While we don’t recommend any one provider, we do believe having pet insurance alongside something like our Pet Health Club can really help you manage both routine care and unexpected vet visits.

Take your time, compare policies, and go with the highest level of cover that is affordable.

We don’t offer direct claims, so you’ll need to pay for any treatment upfront and then claim it back through your pet insurance.

If your insurance company allows pre-authorisation, we’re happy to help with that it’s a great way to check if the costs will be covered before going ahead.

For any orthopaedic surgeries, we do ask that the full payment is made prior to the procedure taking place.

Our current administration charge for processing your claim is £23.95.

If you have any questions, feel free to ask - we’re here to help!