Here 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:
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!
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:
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.