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Puzzled by Pet Insurance?

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Puzzled By Pet Insurance?

Are you puzzled by Pet Insurance? Pet insurance helps cover the cost of veterinary treatment if a pet becomes ill or has an accident. Our policies will also pay out if a pet dies or causes injury to a third party or damages a third party’s property. Our pets are an important part of our family, that’s why we aim to help customers meet the cost of expensive treatments and supply the highest quality cover.

Do I need pet insurance?

The most obvious reason to have insurance on your pet is to cover veterinary bills, which continues to rise. In 2016 the average claim was £720* but claims can run into the thousands if your pet develops an on-going condition. The type of illness or injury will also affect the vet’s fees, with ongoing chronic conditions such as arthritis or diabetes tending to cost much more than a simple infection.

With the advances in veterinary medicine, along with access to much more sophisticated treatment, it makes it possible to detect and diagnose problems that would have before gone untreated.

However, these types of treatments and diagnostics come at a price, leaving some pet owners faced with a difficult decision. For this reason, many pet parents opt to take out insurance, providing valuable peace of mind against spiraling vet costs, allowing them to explore available treatment options, should their pet become ill or injured.

There’s no correct answer when it comes to pet insurance but it is important that you choose what’s right for you and your pet. It’s important to choose a benefit level that you feel offers the cover you and your pet may need. If your pet becomes ill or has a serious accident and the vet fee level is not enough to cover the full cost of treatment, then any extra cost exceeding the vet fee limit would need to settled.

Types of Insurance

Lifetime – A Lifetime or Lifelong policy provides an annual benefit limit. The limit is then reinstated at renewal. The policy covers your pet’s veterinary fees for as long as you need, provided your policy is  renewed.

Maximum Benefit – A maximum benefit policy covers your pet per unrelated condition. This is until the vet fees limit for each illness or accident is reached. After this, treatment for that illness or accident will be excluded from cover for the rest of the policy’s life.

Time Limited – Time Limited policy covers your veterinary fees up to a limit. Your pet is on cover for a maximum period of 12 months from the date the illness or injury was first noticed or until the vet fee limit for each illness or incident has been reached, whichever occurs sooner. Afterwards treatment for that accident or illness will be excluded from cover for the remainder of the policy’s life.

Pet Protect Pet Insurance

Dedicated insurance for pet health.

We love our pets and they deserve the best care should they become ill or have an accident. We’re specialists with 35 years pet insurance experience with a background in the veterinary profession. With this background, it helps us to understand the impact that a visit to the vet can bring. Pet Protect’s vet fee benefits help give you and your pet the support, treatments and medication your vet recommends.

Great Benefits – Vet fee cover from £1,000 to £6,000
Tailored Plans – Choose the benefits to suit your pet and budget
Quick & Easy Quotes – Simply compare pet insurance plans
Pet Information – Working in partnership with vets to provide you expert care
Stress-Free Claims – We cover your unexpected vet bills**
Lifetime Cover – Vet fee benefits reinstated when the policy is renewed

As a responsible pet owner you can compare pet insurance on our website to find the best policy to suit your individual needs. If you need help please contact the team on 0345 602 4797 or simply get a QUOTE.

*Source ABI
**See policy summary and terms and conditions for details and exclusions

By Jennifer Nash

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