cheltonian pets Why get pet insurance?
Pegasus HouseVeterinaryCentre discusses the reasonswhy pet insurance is vital
Having a reliablepet insurance is a vitalpartofbeing a responsibleowner andwith somanydifferent typesof insurancepolicies tochoose from, it can getquite confusing anddraining whendecidingwhat typeofpolicy to gofor.When looking atpet insurance costs it can seemlike an added expensebut sadly,petsdonot have the luxuryof theNHS likewedoand when facedwith an expensivebill for any illnessesor accidents, it couldbe a very smartdecisionon havingpet insurance.
Decidingonpolicies Sowhatpolicy togofor?Whatever pet insurance youdecide toget, always readthe
fineprint.Most insurance companieswillprovide different levelsof cover andit’s important toviewallpolices tosee whichwill suit youbest. Firstly, if yourpet is not insuredor if
youwant toswitch insurance companies andyourpet haspre- existing
conditions.The insurance companywillNOTcover that illness. This iswhywe can’t stress enough to newpuppy, kitten andeven rabbit owners totake upinsurance straight away.Here atPegasusHouse VeterinaryCentrewe can issue all pets under a yearoldwith free4 weeks (immediate)pet insurance with Pet Plan,when in for a health checkwithour vet. Themaindifferencebetweenpet
insurancepolicies is the type and amountof veterinary services they will cover.
46 AUGUST2017 THECHELTONIAN
Therearedifferent typesof insurancepolicies to choosefrom, theseare: •Annualpolicy (time limited)Thiswill cover any illnessor accidentswithin a 12-monthperioduptoa certain amount.However, after that 12-monthperiod, (orwhen the maximumamount hasbeenpaid) anypre-existing conditions fromthe previous yearwill notbe includedin the
future.This typeof insurance isok for your accidentsor emergencies but not ideal if yourpet hasbeen diagnosedwith a long-termillness, as youwill notbe able toclaimfor any treatment after the first year. •Per conditionThis iswhere the policywillpay uptoa set amount,but once the set amount hasbeen reachednofurtherpaymentswillbe made. • LifetimecoverTheother typeof policyon themarket is Lifetime cover. Thismeans yourpetwillbe covered for any illnessesor accidents for their entire life, until the certain sumfor that condition hasbeen reached each year. (dependingon if you have anypre-existing conditions already). This is the insurance coverwe highly recommendbut again look atwhat they cover, for howlong andthe amount theywill coverper condition or annually. Each insurance companywill have
different levelsof cover, terms and conditions andexclusions. Somewill include treatments andproducts that otherswill not.
Costing There are factors tolook into when takingout pet insurance such as:
•Breedofpet – yourpedigree pooches andkitties could
hike uptheprice, especially if you have abreedwhich canbeprone to certain healthproblems. •Pets age –As yourpet getsolder the cost for your insurance can increase aswell. •Care –Making sure yourpet is upto datewith vaccines, neutered, microchippedcan sometimes help with the costor levelof cover. For example, if yourpet is not vaccinated andgets adisease such as kennel coughorparvo-virus your insurance companymay not cover the costof treatment.
Findoutmore Hopefully thiswill guide you in the rightdirectionwhen choosing the right insurancepolicy for yourpet. If you needany further adviceorwant toask us anyquestionswe are juston theother endof thephone. You can contact uson01242524935. HEREATPEGASUSHOUSE VETERINARYCENTRE.YOUR FIRSTCONSULTATIONISONUS FORFREE!!* *Available toall newclientsor newpets. Applies tothe costof the appointment
only.Does not apply toany necessary meds,prescriptionsor vaccinations.
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