How does pet insurance work?There’s no NHS for pets. We understand your pets are part of the family and you want to make sure they are safe and well. That’s why pet insurance can help to provide you as a pet owner with peace of mind knowing that if your pet becomes ill or gets injured, you’ll receive help paying for any unexpected veterinary treatment.The average claim increased by almost 4% according to ABIWith the average cost of claims increasing each year, pet insurance can help provide you with peace of mind by knowing that your cat or dog is covered should they fall ill.The average claim value increased to £848 per claim in 2021, compared with £817 in 2020*Below are some of the top claims we’ve come across and their costs:ConditionCost of claim (average)**Allergy£271Arthritis£249Gastroenteritis£594Foreign Body£1210Patellar Luxation£1090Abscess£907Fracture£1427Skin Mass£621What factors increase the cost of pet insurance?When thinking about covering your cat or dog with pet insurance, there are a few factors that can impact the cost and it’s worth bearing in mind if you are buying a new puppy or kitten. Type of cover: Lifetime pet insurance is the most comprehensive cover for your cat or dog and covers your pet’s veterinary fees for as long as you require, provided your policy is continually renewed^ Where you live: variations in vet costs across the country are reflected in the price of premiums Your pet’s age: just like us, as your cat or dog grows older, it’s more likely that you will have to claim for your pet under your pet insurance Your pet’s breed: based on risk, certain breeds are susceptible to certain genetic illnesses and may increase the cost of your pet insurance premium Cost of vet treatment: veterinary costs increase due to technological advancements Preventative care can help reduce visits to the vetBy helping to keep your pet as healthy as possible, you can reduce the chances of them needing to visit a vet by: Feeding the correct amount of food and providing a nutritious and balanced diet Provide the correct amount of regular daily exercise Provide clean and fresh water each day Make sure your pet has the right vaccinations and annual boosters Worm them regularly and protect against fleas Consider spaying or neutering your pet Improve their wellbeing by playing with your pet and spending time with them each day Training your pet new tricks can not only help with exercise it can mentally stimulate and challenge your pet. Take care of their dental health If you have a policy with us and are concerned about your pet, speak to a vet or vet nurse with our 24/7 vet service. You can find more information here Why choose us? All our policies come with 24/7 pet care advice from expert vets and vet nurses if you need advice about your pet’s heath We pay 97% of vet claims** and our claims process is simple, as you can complete and submit a claim online We can pay your vet direct and offer pre-authorisation of claims There’s no NHS for pets, and our Lifetime cover offers peace of mind that your furry friends are coveredDon’t assume the cheapest pet insurance is enough to cover your petWhen choosing pet insurance for your cat or dog, it’s important to look at the needs of your pet and your budget. Lifetime cover is not the cheapest option but provides pet insurance for the life of your pet.Get a quote for your cat or kitten, dog or puppy *Source: ABI Website: www.abi.org.uk/news/news-articles/2022/05/pet-insurers-processed-a-record-2.4-million-a-day-in-2021/ **Source: based on data from all Pet Protect claims and their submitted amounts received between March 2021 and March 2022 on our Lifetime and ConditionCare policies ^Exclusions may apply. Please see the Policy Terms & Conditions and Insurance Product Information Documents for full details and inner limits. Vet fees cover up to £6,000 per policy year, with our Lifetime Extra policy.