Pet Insurance

Your Local, Family-Owned, Independent Vet Practice

Whether or not to have pet insurance is a personal choice. It will not affect what we at Ben Nevis Vets will charge you. Owning a pet is hugely rewarding, but if they are to suffer an illness or injury it can also be expensive. Having a good pet insurance policy allows you to concentrate on what’s best for your pet while knowing help is there for the cost of unexpected treatment should they become ill or are injured. It is important to note that 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

The type of policy you choose can have implications for the veterinary care of your pet and the costs you will face so it’s important to choose the right cover for you. Sometimes, the cheapest insurance can cost you more in the long run.  When shopping around for a policy, we suggest that you ask the following questions to allow you to compare the overall value you are getting, not just the price:

  1. Does this policy cover congenital, hereditary, hip or stifle – related, dental and behavioural conditions?
  2. Is there a time or monetary limit on how long this policy will cover ongoing conditions for?

If you choose to insure your pet, insuring them when they are young and healthy with lifetime cover will mean it is less likely they will have any existing conditions that may not be covered by the policy and you can then receive more help covering the cost of any future treatment your pet needs.

Other important considerations

If you change your pet insurer in the future, any conditions your pet has or had previously, whether or not they were treated for it, may be excluded as a “pre-existing” condition.

Even if you do not change insurers, if your pet has treatment or a diagnosis for a condition but you do not claim for it before your annual renewal, that condition may be considered as “pre-existing” and may be refused cover by the insurance company going forward.

If and when you do make a claim, your premiums are likely to increase.

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