Our pet insurance partner
Part of responsible pet ownership is investing in a quality pet insurance plan that will cover your pet’s unexpected veterinary needs. Did you know that 1 in 3 pets might require unexpected veterinary treatment each year? Whilst medical and surgical advances mean that Daventry Vets can do more for your pet, treatment costs can soon mount up.
To discuss pet insurance and how you would make an insurance claim, contact our knowledgeable team.
Due to FCA rules we are unable to recommend specific insurance companies.
Types of pet insurance
As a veterinary practice, we are an Agria partner. This means we can provide Agria with information who can set up 5 weeks free insurance for our clients. Clients are eligible for this when their pet has their first or second vaccinations, or their vet health check as long as their pet is between 8 weeks to 18 months old. Please note this can only be issued on the day of the veterinary examination.
The following are different types of policies that are available in the pet insurance market:
- This policy will cover your pet for any accidents they might ascertain.
- Note that this type of policy does not include cover for any type of illness.
- These policies allow you to claim a maximum amount for each medical condition without a set time limit.
- Once the maximum financial limit has been reached then the medical condition will be excluded from your pet’s policy.
- These types of policy cover a specific condition for 12 months from the point when it started.
- After 12 months, this condition will be excluded – even if no treatment has been given.
- Financial limits will also apply alongside the time limits.
- These policies usually include a maximum amount per condition that you can claim per year.
- Each time you renew your policy, your amount to claim will likely be restored, meaning this type of policy is useful with long-term conditions.
- Benefit limits may be ‘per condition’ or an annual amount for all conditions – make sure you read your policy wording carefully to understand this.
The benefits of pet insurance
Pet insurance is most often used to help cover unexpected veterinary fees for injury or illness. However, there are many other benefits included in your pet’s policy that might get overlooked. We’ve listed the most common ones below – make sure you carefully read your own pet’s policy to fully understand what you are covered for.
- Third party liability cover – useful if your pet injures someone or damages someone else’s property.
- Paying you the price you paid for your pet if they become lost, stolen, or die as a result of injury or illness.
- Paying the costs of looking after your pet if you have to go into hospital for emergency medical treatment.
- Paying the cost of your holiday if it’s cancelled due to your pet needing emergency surgery close to the date you were due to leave.
- Paying the cost of emergency veterinary treatment for your pet if you take them abroad under the Pet Travel Scheme.
- Paying for additional treatments – such as physiotherapy and other supportive therapies.
What should I consider when choosing pet insurance?
When you are choosing the right insurance policy for your pet, you need to consider a few different points. Firstly, what excess amount are you comfortable paying? Does your chosen policy include third-party cover? Will there be any hereditary or congenital conditions that could be excluded from your policy due to your pet’s breed? Are you taking out a policy for a new pet, or changing from your existing insurance company? If so, it’s important to note that any previous health conditions will be excluded from your new policy.
There is a lot to think about and the team at Daventry Vets is happy to help where we can.