Pet Insurance Plan

Welcome to Pet Insurance Plan UK.

Why should you get pet insurance?

Vet care can be very expensive.

A better life for your pet.

A longer life expectancy for your pet.

It encourages responsible pet ownership.

Veterinary science has advanced greatly and thus more complicated operations can now be offered, but these are also more expensive.

Pet medicine has become more sophisticated and can be expensive.

When your pet is in urgent need of treatment, you don't want to find yourself short of money if you don't have insurance.

What types of pet insurance cover are available?

What possible pitfalls should you be aware of when choosing a pet insurance plan?

Plans that offer medication for life if your pet is diagnosed with a long term illness.

What can be included in a pet insurance policy?

Vet fees allowance.

Public liability cover, e.g. if your pet causes an accident.

Third party liability, i.e. if your pet injures another person.

Boarding fees cover in case the owner cannot look after the pet.

The cost of a holiday cancellation if you can't go because your pet is unwell.

Burgular Reward.

Theft/straying.

If your pet has been stolen, the cost of advertising that your pet is missing or the cost of providing a reward.

Death benefit.

Accidental damage.

What types of animal are pet insurance policies available for?

Dogs, cats, rabbits, horses and exotic pets.

What factors contribute towards your pet insurance quote?

Your pet's medical history. If your animal has an existing medical condition it will increase the premium. Note that many pet insurers will

The particular species of animal you are insuring, e.g. dog, cat etc.

The particular breed of your dog, cat etc.

Whether you pet is a pedigree or not. E.g. some pedigree dogs are more expensive to insure because generally speaking they suffer from more health problems. So, if you want cheaper pet insurance, then consider a cross breed rather than certain pedigrees.

How old your pet is.

Where you live. Your location can affect the premium you pay as there are a number of geographically sensitive variables, e.g. vet bills are higher in the South East of England.

What are the major pet insurance companies?

Petplan, More Than, Sainsbury's Pet Insurance, Direct Line, RSPCA, M&S Pet Insurance, Churchill.

NFU Mutual for horse insurance.

You should check that any pet insurance company you choose is authorised by the Financial Services Authority.

What added benefits are available with pet insurance plans?

Some companies cover your first years registration costs for the National Pet Register.

Some pet insurance companies offer discount vouchers for pet food.

What can help in getting cheap pet insurance?

You can often receive a discount if you insure more than one pet with the same company.

You may find that you can get a discount if you apply for your pet insurance online.

What should you check for when choosing a pet insurance plan?

The excess on the policy.

The limits for the various types of cover provided.

Some policies do not cover transplants. This might be an issue with certain pets, e.g. German Shepherds are susceptible to hip problems and may need a hip replacement operation.

Note that some pet insurance companies will not pay for prescriptions.

Do any of the pet insurance companies have tie ups with leading charities?

Petplan has established The Petplan Charitable Trust, which provides grants for animal welfare across the UK.

E&L pet insurance donate to the rescue charities.

Where can I find more information about pet health problems?

Below we list resources where you can find more information about pet health problems:

Cat Health Problems - The site has general information about keeping your cat in good health, including advice on cat dental health and coping with fleas and cat allergies.

What is the procedure for making a pet insurance claim?

If you already have a favourite vet, you may wish to ask them which pet insurance companies they prefer to work with, as this can mean the vet will deal directly with your pet insurance company for you in the event that treatment is needed. This can make arranging the necessary payment for treatment faster and smoother.

Often you will have to pay the vet first and then see whether you can claim the money back from your policy. If you are facing an expensive bill, you may have to decide whether to delay so that you can check with your pet insurance company first as to whether you are covered.

Thanks for visiting our Pet Insurance Plan page. We hope it helped find what you were looking for.