Our pets are part of the family and if they fall ill and require a visit to our veterinary surgery, diagnostic investigations and treatment costs soon add up to a sizeable sum of money. Pet insurance can take the worry of these costs away from you.
With improving animal medical research, skills and resources what were once incurable, life-threatening ailments can be dealt with effectively by many vets. With most owners, the price of treatment is secondary to preserving and enhancing their pet’s quality of life.
It is estimated that the average cost of owning a dog is around £10,000 for the duration of its life, with a 40% of that total (£4,000) going towards unforeseen veterinary bills. It is known that one in three pets will require some form of extensive surgery before they are two years old and 50% of pets in the UK need extensive surgery at some point in their lives.
Few people realise that most, if not all, pet insurance generally covers third party liability; that is, if your dog was to cause a road traffic accident with attending human injuries, liability, perhaps running into thousands of pounds, may have to be borne by you, that is, unless you have appropriate pet insurance.
FOR THIS REASON BISLEY VETERINARY SURGERY RECOMMENDS PET INSURANCE
There are a multitude of different providers of pet insurance with different policies. Essentially there are two types of policies:
1. Those that only cover a condition for one year, after which, an exclusion is placed on your
policy to prevent further claims for that problem.
2. Lifetime cover means that, although your premium will be slightly higher than the annual policy, if your pet suffers from an ongoing disease, such as diabetes, the insurance company will continue paying part or all of your medicines and professional veterinary fees. I say “part of all of your costs” as this is dependent on the policy and the provider you choose.
All policies have an excess fee before the insurance company will begin to pay for your pet’s treatment. So, if our bill came to £200 and your policy excess was £90, you would be able to claim back £110.
We offer Petplan insurance company immediate cover for 4 weeks free insurance for cats, dogs, rabbits up until 1 year of age as long as they have been checked over by our vet. It should be noted that insurance policies are completely independent of Bisley Veterinary Surgery and ultimately you are liable for any costs involved in the treatment of your pets.
Please see Client Information Pet Insurance for further information or contact the Practice Manager Amanda on 01483 480040