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These more advanced techniques can offer great benefits to the health and welfare of your pet but, as in human medicine, can be quite expensive. It is quite possible for the bill for treatment for a complicated accident or illness to run into thousands of pounds, especially if your pet needs to be referred to a specialist. If your pet is unwell the last thing you want to worry about is how to pay for treatment. We recommend that all pets are insured so that financial worries don’t add to the stress if your pet is unwell. Please call 02380 406215 for advice.

When To Take Out A Policy

It is best to take out insurance as soon as you get your new pet. This means that there are unlikely to be any pre-existing conditions that could otherwise be excluded.

What is likely to be covered?

In general, diagnosis and treatment for any accident, injury, or illness, will be covered by the policy. However, pre-existing conditions (these are conditions from which your pet has suffered before your insurance policy started) will almost certainly be excluded. A maximum limit of cover will be stated and any exclusions should be listed.

Lifetime Policies

"Lifetime" policies will pay for treatment for the life of your pet, as long as you keep paying your premium. Lifetime policies tend to be a bit more expensive but give the reassurance of knowing that your pet will be covered (up to your policy maximum each year) for the rest of his or her life. Diabetes, dermatitis and joint problems are examples of illnesses that may require treating for years.

Annual Policies

"Annual" policies will generally only pay for treatment for an ongoing or recurrent condition like skin disease, arthritis or diabetes for one year. After the year has passed you will be unable to claim for that condition and any new policy you may take out will not cover it as it is a pre-existing condition.

Third Party Liability

This is an important benefit to protect pet owners against being sued if their pet causes damage or injury. This can be either a dog biting a child or causing a road accident.


Routine and preventive care will usually be excluded together with anything classed as "cosmetic" for example surgery to correct a bite abnormality in a dog. All pre-existing conditions will usually also be excluded.

Direct Claims

Most insurance companies will allow payment direct to the vets. We are happy to take direct claims in most circumstances as long as we have evidence of cover. This means that you will only need to pay any excess due. Please note that in the event of an insurance company rejecting a claim you will be responsible for the entire cost of treatment.

Completing claim forms

Unlike many surgeries, we do not make a charge for completing claim forms on your behalf. In the event of a claim requiring lots of additional correspondence, however, we may make a charge to cover the cost of our time.