We know that, having adopted an animal from us, you want to give them the best life possible.
With advancements in veterinary medicine it’s important to choose the right insurance for your pet so you can get the right treatment for them without having to worry about the costs.
Not all pet insurance is the same. There are many different types of policy available and the level of cover provided can vary considerably. The four main types of policy are as follows:
- Accident - Provides cover for accidents only and no cover for illness.
- Time-Limited - Provides cover for a set amount of time (usually 12 months) and after this period the condition is excluded.
- Maximum Benefit - Provides cover up to a maximum amount of money per condition and once this limit is reached the condition is excluded.
- Lifetime - Provides a set amount of money each year, which is refreshed each time you renew your policy allowing you to continue to claim for ongoing conditions.
As you can see from the information above, the type of policy you choose can have implications on the veterinary care of your pet and the costs you will face so it's important to choose the right cover. Sometimes, the cheapest insurance can cost you more in the long run. When shopping around for a policy, we recommend that you consider the following to allow you to compare the overall value you are getting and not just the price:
- Does the policy provide lifetime cover, or are conditions excluded after 12 months?
- Is there a time or monetary limit on how long this policy will cover ongoing conditions for?
- Will your premium increase if you make a claim?
Unlike other forms of insurance, it is not easy to switch pet insurance in the future because any pre-existing conditions your pet has are likely to be excluded, so it's important to do your research and choose the right cover from the start.