Pet Insurance – Choosing Your Cover

Dental-5Here at Towerwood we recommend that all pets are insured.  A third of all pets will need veterinary treatment for an unexpected illness or injury each year.

You may be surprised to hear that you are more likely to claim on your pet insurance than your car or household policies (Allianz Insurance plc). In fact, in our experience if you are one of the few people who don’t need to claim on your pet insurance you really are very lucky indeed!

There are many insurance companies out there, any each company will offer a number of different policies and levels of cover for your pet. It is really important therefore, that you research each policy and read the fine print before signing up!

The cost of pet insurance will depend on a number of factors including age, breed, whether the animal is neutered and whether the animal has suffered from any illness before. Therefore it is important that you take up a policy as soon as possible as if your pet becomes ill before you take out insurance, your policy will not cover that illness!

When selecting an insurance policy we strongly recommend choosing a ‘lifetime’ policy. This means that:

  1. the amount of veterinary fees you will be covered for will be renewed each year (some ‘time limit’ policies will only cover a set amount of veterinary fees throughout the animals life).
  2. you can claim for an illness or injury for as long as it needs treating ( providing you renew your policy each year) which means long term illnesses such as skin conditions, kidney disease or diabetes for example are covered.

Other policies may cost you less each month but may not cover long term illnesses after 12 months of treatment or may only cover you upto a certain amount of veterinary cost.

Check exactly what your policy covers, some companies will not cover dental treatments or hereditary conditions. Make sure you know what your pet is covered for to avoid any nasty surprises later on!

Keeping Your Pet Covered


It’s worth reading the terms of your insurance policy or speaking to a member of staff at your insurance company to find out exactly what you need to do to ensure you meet the conditions of the cover

Most companies require:

  • An annual health check
  • Primary vaccinations and annual booster vaccinations or proof of sufficient immunity ( via titre antibody blood tests)
  • Annual dental health checks
  • Veterinary advice to be followed with regards to dental or general health
  • Visiting your vet as soon as you spot a problem with your pet

Please be aware that not keeping up to these requirements can result in some insurance companies refusing to cover some health conditions!

If you would like to talk to a member of staff about what to look for when taking out insurance please call us and we’ll be happy to help.

Contact usFor more information about our Greengates branch, or to book an appointment for your pet simply contact our friendly team on 0127 4610 627.