Pet Insurance - Leicester Animal Aidfeature image

People tend to think it's only older pets that get ill and therefore younger pets don't need pet insurance. But, we know from the pets we see every day that this is not the case. 

In fact, the younger your pet is when you insure them, the better, as it means that the pet is less likely to have any existing conditions which may not be covered by the policy. You can then receive more help covering the cost of any future treatments.

It's 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). 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 the policy allowing you to continue to claim for ongoing conditions. This type also provides cover for accidents only and not illness   

As you can see, the type of policy you choose has implications for the veterinary care of your pet and the costs you will face, so it's important to choose the right cover. Sometimes, the cheapest insurance can cost you more in the long run. When shopping around for a policy, it may be best to ask yourself the following questions: 

  • Does the policy cover congenital, hereditary, hip-related, dental and behavioural conditions?
  • Is there a time or monetary limit on how long this policy will cover ongoing conditions?
  • If I claim, will my insurance go up?

Unlike other forms of insurance, it is not easy to switch pet insurance in the future as any pre-existing conditions your pet has are likely to be excluded. So it's important to do your research and choose the right cover from the start.