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Pet insurance is not a legal requirement, however, it can help protect you if your pet gets injured lost, or becomes unwell. With an insurance policy for your pets, you could avoid being out of pocket, sometimes by tens of thousands of pounds.
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Pet insurance can cover veterinary treatments, expensive surgeries, and other unforeseen medical expenses. Pet insurance policies come in a range of formats and coverage varies from each lender. There are accident-only policies for sudden injuries such as broken legs or ingesting a foreign body, time-limited policies for specific periods only and lifetime policies to cover chronic conditions. Lastly, there are maximum benefit policies available which are categorised by set financial limits.
When choosing your pet’s insurance provider and policy you should consider how much cover you anticipate they may require and what level of support you would need financially should they be injured or become ill. When deciding on the right pet insurance policy for you, it is important to consider how much coverage you require and how much coverage you will need for vet treatment should the situation arise.
The cost of emergency hospital admissions for pets and subsequent emergency surgeries can be eye-wateringly expensive and in excess of £5,000 depending on the procedure needed. For example, by the time diagnostic bloods, scans and pre-medications are considered, on top of time in theatre and out-of-hours fees, the amount can skyrocket quickly. Many people simply cannot afford an unforeseen emergency trip to the vet for a serious condition and this is why pet insurance is such an important purchase.
Types of cover
Maximum benefit
A condition that will be covered for a set limit, and not more than this amount. Typically, this can be around £8,000 to £10,000.
Time-limited
A policy that allows you to claim for a specific condition for a specified period. Typically this is 12 months.
Accident only
A policy that only provides cover for an accidental injury.
Lifetime
This is the most comprehensive pet insurance policy available, enabling you to claim for a specified amount (such as £15,000) for every year of your pet’s life, for any condition.
We can help you find great deals on pet insurance including cat insurance, dog insurance, multi-pet insurance and more. Here at Forces Compare, we’ve partnered with Quotezone so you can search up to 15 different providers to find the most suitable cover for your pet. Our application is quick and simple to complete and will offer you no-obligation quotes.
Pet insurance with dental
Many animals we love to keep as pets are prone to dental issues as they age. Dogs in particular can develop terrible tartar buildup over time which can be impossible to remove at home and harbour nasty bacteria leading to gum and teeth disease and decay. Dogs should have their teeth brushed regularly but many owners struggle to make this a part of their routine, usually due to the reluctance of the dog to participate in frequent tooth brushing sessions.
Rabbits are also prone to dental problems and the incidence increases with ageing, many rabbits from the age of five or six and onwards will need some dental shaving to help any tooth spurs or overgrown teeth. Finding a pet insurance policy with dental coverage would be a very wise investment but may end up adding a fair amount to your premium.
Nowadays, some brands offer dental as part of their standard pet insurance policy, however, you should never assume this is included and always check the small print and finer details of a policy before you purchase it for your beloved companion.
Does pet insurance cover prescriptions?
If your pet suffers an injury or is diagnosed with an illness whilst having adequate pet insurance then their associated prescription medications are likely to be covered as part of their policy.
The prescriptions that may be covered for your pet are those that have been prescribed by a vet and deemed necessary to treat their ailment or ongoing condition. Some of the most common prescription medicines covered on many policies when they are required include antibiotics for infections, painkillers and anti-inflammatories and steroids for ongoing conditions such as Addison’s disease.
In certain cases, some pet insurance brands can cover an animal’s specific dietary aids or foods depending on a vet’s recommendation and their clinical relevance to their condition.
Rabbit pet insurance
It is possible to get pet insurance for cats, dogs, horses, rabbits, exotic pets and birds. Rabbit pet insurance can be purchased for your furry friends and could be a very worthwhile investment. Rabbits are prone to certain medical conditions from cervical cancer to arthritis with older age.
There are several ways to help your rabbit live a long and happy life including a large RSPCA-approved home, neutering and castration, regular vaccinations for myxomatosis and other diseases such as viral haemorrhagic disease.
However, like with all people and animals, illnesses can appear at any age and adequate rabbit pet insurance can ensure you have financial peace of mind should your pet be under the weather. Rabbits are prone to some very severe injuries such as spinal cord damage from twisting and thrashing their back legs as well as more mild but pesky illnesses such as a mite infestation.
Does pet insurance include spaying?
Coverage varies from lender to lender and you may be wondering whether pet insurance includes spaying should your pet need to undergo this procedure in the future. Generally, pet insurance policies don’t cover spaying mainly because it is regarded as an elective procedure and an anticipated necessary expense for certain animals. However, some insurance companies do offer certain add-ons that may include spaying and neutering and other such procedures.
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FAQs
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What does a pet insurance policy cover?
Pet insurance covers the unexpected veterinary expenses incurred during a pet’s lifetime. The coverage varies depending on the type of policy chosen, but generally, most pet insurance policies cover veterinary treatments when the insured pet falls ill. This can include expensive medical procedures, diagnostic tests and scans, emergency hospital admissions, and surgeries that could potentially cost pet owners thousands of pounds. Many policies also cover prescription medications, particularly common drugs like antibiotics for infections, painkillers, anti-inflammatory drugs, and steroids for ongoing conditions. Some insurers may even cover specific dietary aids or foods recommended by a vet for medical reasons.
It is important to note that there are several types of pet insurance policies, and the coverage will depend on the specific terms of your policy. Below are some common types of policies and the coverages they offer:
Accident-only policy: This policy covers sudden injuries like broken bones or foreign body ingestion.
Time-limited policy: This covers specific conditions for a set period, typically 12 months.
Maximum benefit policy: This policy covers a condition for up to a set limit, typically around £8,000 to £10,000, and coverage stops once that amount is hit.
Lifetime coverage: This is the most comprehensive option. It covers a pet for any condition and allows you to claim up to a specified amount each year for your pet’s entire life.
Does a pre-existing condition affect pet insurance?
Yes, a pre-existing condition affects pet insurance. Standard pet insurance policies typically exclude pre-existing conditions, leaving owners to pay out-of-pocket for treatments. However, insurance providers typically have specialised policies that cover pre-existing conditions like chronic illnesses, hereditary conditions, congenital disorders, and recurring illnesses. Insurers typically categorise these conditions based on whether they are curable or incurable. Some policies may offer coverage if the condition has been symptom-free for a specified period, usually around 12 months. Pet insurance for pre-existing conditions often comes with higher premiums because they pose higher risks for insurers.
What is multi-pet insurance?
Multi-pet insurance is a convenient and cost-effective insurance option designed for people with more than one pet. Instead of managing separate insurance policies for each pet, multi-pet insurance bundles all your pets under a single policy. You’ll have a single renewal date and one point of contact for all your pets, which reduces the paperwork and processes that come with insuring multiple pets individually. Providers also typically offer discounts for every new pet you add to the policy, making it budget-friendly. The policy can cover different types of animals, so whether you have cats, dogs, or a mix of pets, they can all be included under one plan.
Despite being under one policy, you can still customise the insurance to suit each pet’s needs. The premium is calculated based on each pet’s individual characteristics, including age, breed, and health status. You can choose different types of coverage for each animal, such as accident-only, annual, or lifetime insurance. Also, each pet’s claim is handled individually, so a claim for one pet won’t affect the coverage or claim status of the other pets.
How much does pet insurance cost?
Pet insurance costs in the UK vary widely depending on factors like your pet’s breed, specific health risks, and the comprehensiveness of the policy. For cats, the average insurance cost ranges from £224 to over £300 per year, depending on the breed. For dogs, the average annual insurance cost is approximately £271, but this can change depending on the circumstances and the dog’s needs. Larger dog breeds tend to be more expensive to insure due to potential health complications, and older pets generally incur higher premiums because they’re more likely to require medical treatment.
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