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The Essential Guide to Pet Insurance

Blog Header Pet Insurance

Did you know that you are more likely to claim on your pet insurance than your car or home policy?*

Unfortunately, there is no National Health Service for pets, and the cost of treatment is always on the rise due to advances in new drugs and equipment.

At Medivet, we understand that your pet is an important member of your family – that’s why we highly recommend you take out a pet insurance policy to help you cover the cost of unexpected veterinary bills.

How does pet insurance work?

Pet insurance provides you with the peace of mind that should the worst happen to your pet, you can receive help towards the cost of treatment.

A pet insurance policy could help cover medical expenses if your pet becomes ill or is injured in an accident.

However, a pet insurance policy will not cover routine visits to the vet or events that you could have anticipated, such as routine vaccinations or neutering.

At Medivet, we choose to recommend Petplan insurance. As a specialist pet insurer, they know their market and are dedicated to providing the best possible cover for your pet(s). 

How your premium is calculated 

There are many factors that are used to determine the premium you will pay. Some you have control over and others you do not. Please take into account that premiums will increase over the life of your pet. 

The factors that determine your premium are:

  • Your pet’s age
  • Their breed
  • Where you live
  • The amount of medical coverage you choose 

Things to consider

Before you take out an insurance policy for your pet, be sure to keep the following questions in mind: 

  • Is the insurance company reputable?
  • How long has the company been established?
  • Is the company a pet insurance specialist?
  • Does the policy provide cover for ongoing conditions year after year for the rest of your pet’s life?
  • Does the policy cover congenital and hereditary conditions, hip related problems, dental disease and behavioural issues?
  • Will your premiums or excesses increase just because you make a claim?
  • Will the insurers place exclusions at renewal?
  • Does the policy cover loss or theft of your pet?
  • Does the policy cover death of your pet by illness or accident? 

Why not try before you buy? 

At Medivet, we understand your pet is a vital member of your family and we want nothing but the best for their health and wellbeing. 

When you bring your new puppy, kitten or rabbit aged between 6 weeks and 1 year into your local Medivet practice, we can set up 4 weeks’ free Petplan insurance with immediate cover for illness and injury worth up to £4,000. This gives your pet protection whilst allowing you plenty of time to find the perfect full policy for your pet. 

Use our online practice finder to find your nearest Medivet and speak to a member of staff about the best policy for your pet!

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Terms, conditions and excesses apply and may be varied on renewal. Medivet Partnership LLP (Registered in England No OC344222) is an Appointed Representative of Pet Plan Limited. Petplan is a trading name of Pet Plan Limited (Registered in England No. 1282939) and Allianz Insurance plc (Registered in England No. 84638). Registered office: 57 Ladymead, Guildford, Surrey GU1 1DB.

Pet Plan Limited is authorised and regulated by the Financial Conduct Authority. Financial Services Register No. 311969. Allianz Insurance plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register No. 121849. Pet Plan Limited is a subsidiary of Allianz Insurance plc. Petplan’s trading address is: Great West House (GW2), Great West Road, Brentford, Middlesex TW8 9DX. Medivet Partnership LLP is not part of the Allianz (UK) Group. Email: petplan.info@allianz.co.uk.

 *Source: Allianz claims data 2014

 

 

Posted December 2, 2016 by Cara Zaleski in Pet Care Advice

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