Veterinary fees due to major surgery or illness can run into
thousands of pounds. Insurance policies cover against these costs
and give you the reassurance that if any thing did go wrong, the
cover would be there for you to use. Whichever policy is chosen it
should be a policy that covers your pet right up to his/her final
WHAT SHOULD BE COVERED?
Most policies cover veterinary fees against illness and injuries,
including the costs of hospitalisation and often for referral,
however, some cover against INJURY ONLY. Other policies offer
cover for complementary treatment, behavioural treatment and diet
foods in addition to injury and illness.
Veterinary fees - from illness and injury
Therapeutic diets - some policies pay toward special diets for
patients with heart, liver and kidney conditions
Complementary treatment - such as acupuncture and hydrotherapy
Third party liability - this covers compensation and legal costs
if your dog was held liable for damage or accident
Purchase price of pet - some companies refund the purchase price
of the pet if it dies from an illness or injury
WHAT IS NOT COVERED?
Preventative treatments - vaccinations, neutering, worming, flea
control, ID chip, teeth descaling, claw clipping, etc.
Pre-existing conditions - conditions what were present before the
animal was insured. Some companies will lift these exclusions if
the condition has not recurred in one year. However you must
contact the company to have the exclusion removed.
Dentistry - unless caused by trauma or disease.
Inherited and congenital diseases - most well known companies will
cover against these provided the condition was not known about at
the time the policy was commenced. BEWARE that this is not always
Pregnancy and breeding.
House calls - unless essential to the animal's welfare.
PREMIUMS AND EXCESSES
All insurance policies have premiums and excesses and these vary
with different companies. The cheaper the premium, the less cover
the policy is likely to provide. Premium costs are also reflected
in the animalís age and breed and also the cost of veterinary fees
in the area where you live.
Excess amounts are either a fixed amount or a percentage of the
cost of the treatment that must be paid by you. As with premiums,
excess amounts vary between differing policies, and also relate to
the age of the animal.
DURATION OF COVER
Duration of cover for specific illnesses/injuries can vary on
policies. Conditions may be excluded:
after payment has been provided for a single treatment
after one year
once a fixed amount of cover has been provided
ALWAYS READ THE SMALL PRINT
and always check which type of
contract you are entering:
Lifetime cover - this policy is renewed every year. Claims can be
continued over 1 year.
Fixed amount of cover for life - once the maximum payment has been
paid for a condition, the condition is no longer covered if it
Annual contract - conditions that arise in one year are excluded
from future contracts, regardless of whether the maximum payment
has been reached or treatment for the condition is complete.
More information can be found on the