+ How can insurance help?
We do not have the NHS government support for ensuring the best care for our pets. When a pet is unwell, veterinary costs can mount up quickly such as investigations into vomiting and diarrhoea, or repair of a broken leg. Whilst we do our best to support you with our Wellness Subscriptions, investigations and treatment is never free.
The best way to understand how to navigate insurance companies is to arrange a consultation and to discuss your needs with a vet in the team.
+ What conditions does it help with?
Any condition that costs above your excess is a potential benefit for a claim. For minor illnesses it is unlikely the cost of the examination, discussion and treatment will reach the value of your excess. On the other hand, for the larger events and longer-term conditions, such as skin disease, an insurance policy will be very sensible to have in place.
+ What conditions will insurance not cover?
In many cases insurance companies exclude certain things from the outset. You should always read the policy before committing but the most common exclusions include:
- Pre-existing illness or injury
- Routine and preventative treatment
- Pregnancy and giving birth
Understanding the small print is key in any document. Unlike car or home insurance, if a condition occurs, irrespective of a claim or not, this event may influence future cover. As our pets get older, so the likelihood of a claim increases, and so you can expect insurance premiums and excess requirements will increase.
If you would like help in understanding your policy then we are more than happy to arrange a consultation to discuss your need.
