Pet insurance explained

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A Guide To Pet Insurance

PET INSURANCE

Vet fees can unfortunately cost hundreds, or even thousands. So it is sensible to have a suitable insurance policy – if your funds are low, it could be the difference between having to make difficult decisions, and going ahead with the treatment.
With pet insurance, it can be difficult to understand where to start as there are many different policy types available. This includes which type of cover each policy offers and how much excess you need to pay in the event of a claim.


Choosing a policy type:
Accident only – They are usually the cheapest policies available, but this doesn’t include illnesses and diseases. So if your cat develops a medical condition which requires emergency care, you will be expected to pay for it yourself.
Time-Limited – These policies only allow for claims for a specified period of time and up to a specified amount. Once the time period is up, the insurer will stop paying the vet fees for that condition.
Maximum benefit – This type of policy allows for claims to be made for a condition up to a monetary limit with no time restraints. Once the condition limit is reached, the insurer will not pay for the condition.
Lifetime – This is the most comprehensive policy type available. This provides cover for the animal’s whole life. The amount is topped up to its original level annually, so each year you can claim up to the full limit for accidents and illnesses, as long as you continue to pay for the premiums.
We HIGHLY recommend you go for a lifetime cover. So then, your animals are covered for their lifetime – even for reoccurring illnesses!


What they mean…
• Excess – An excess is what you are liable to pay towards any claim. There is usually a compulsory excess which is worked out depending on the details you provide. Some insurers give you the option to add a voluntary excess, which generally reduces your overall premium, and is paid as well as any compulsory excess in the event of a claim.
• Pre-existing conditions – If your cat already suffers with any medical conditions, these won’t be covered in a new policy. It’s important to be honest about any pre-existing conditions, as insurers may refuse to pay out for a claim if anything has not been declared.
• Age Restriction – Many policies have a restriction on the age at which insurance can be taken out. Typically this limit ranges between 8-11 years old. It is recommended to insure as early as possible in your pets life, as premiums are much cheaper and many ongoing conditions don’t start until middle age (and will be excluded if an owner insures after they have started).
• Premiums – Premiums and policy excess are likely to increase as your pet ages, as the risk of age-related illness increases. Your cats breed, where you live and the cost of veterinary charges in your area can also affect the premium.
When you adopt an animal with us, you get four weeks pet insurance free courtesy of PetPlan. It will then be up to you to choose to either carry on pet insurance with pet plan, or another company. Here are the benefits of staying with PetPlan…
Type of Policy – Covered for Life Ultimate
Premium - £15.67 (monthly) or £188.04 (annual)
Excess - £70 for vet fees/£65 for complementary treatment per condition per year.

What’s Included?
• Vet fees up to £12,000
• Complementary treatment (£2,000)
• Death from injury (£2,000)
• Death from illness (£2,000)
• Boarding fees (£2,000)
• Advertising and reward (£2,000)
• Loss by theft or straying (£2,000)
• Holiday Cancellation (£2,000)
• Quarantine expenses and loss of documents (£1,500)
• Emergency repatriation (£500)
• Multi-pet discount
• Pet owner support package
• Pet bereavement helpline
• Legal helpline