Does your pet have pet insurance? At Abercorn Vets, we do advise that pet owners consider this option. Whilst pet insurance obviously incurs a cost, it does afford peace of mind when pets are unfortunate enough to develop problems that require long term treatment, hospital stays or even visits to the emergency out of hours clinic (“E-vets”). There are some things you might want to think about:
Having enough cover
– Be careful to check that the amount of veterinary fee cover is adequate. Over time a single illness can cost many hundreds of pounds.
– Check that there is no limit on how long you can claim for each illness, chronic conditions can go on for life, not just twelve or twenty–four months.
– Check that your pet will still be covered in later years when he or she needs it most and the premium in those years will still represent good value.
Annual Pet Insurance premiums for your pet will inevitably increase year on year. This reflects the sad reality that as pets age, statistically they are more and more likely to develop illnesses requiring veterinary assistance.
Sometimes, particularly in the middle to later years of a pet’s life, the premium increases can be really quite steep and seem even a little unfair. Whilst there can be a temptation on the part of owners to seek out “cheaper” policies that appear to offer better value for money, we at Abercorn Vets would advise great caution in doing so, as the new policy will not cover any illness that has previously occurred in your pet. Owners can get a very unpleasant surprise when what they had thought was a perfectly routine claim is rejected. This concept of “pre-existing” conditions and its stressful consequences is not usually highlighted to owners during the process of changing policies – so do beware!
Remember too that if your dog* was to escape from your property and cause an accident, you could be sued for this incident. This also makes pet insurance worthwhile for peace of mind.
*Under current legislation this situation does not apply to cats
Pet Insurance: What won’t be covered?
Like your household or car insurance; pet insurance also has an excess which you will have to pay on a claim. Pet Insurance policies exclude vaccinations and routine treatments such as worming, routine neutering and routine dentals. Most policies also exclude foods, although some may allow for certain diets prescribed as an integral part of treatment, e.g. diets to help dissolve bladder stones. If you aren’t sure what’s covered or not, even after checking your policy, contact your insurer’s helpline.