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Confused About Pet Insurance?
Having Pet Insurance is a good idea, since you never know when an accident may occur. A serious fracture could cost hundreds of pounds, so having pet insurance would give you peace of mind and your pet the best possible treatment.
There are many choices available about which type of cover you may require and hopefully this page will make it easier for you to decide which type of cover will suit you best.
Annual Cover
The approximate price of insuring a four year old labrador is £8 - £10 per month. This usually gives around £2500 cover per condition per year.
Year one
This will cover the cost of any treatment up to the value of your cover, which can include conditions such as expensive fracture repairs and spinal surgery.
Year two
This would not cover the cost of treating the same disease or any problems relating to it.
Lifetime Cover
The approximate price of insuring a four year old labrador is £14 - £20 per month. This usually gives around £4000 - £6000 cover per condition per year.
Year one
This would cover any treatments just as standard cover.
Year two
This would continue to cover costs of treatments - including chronic conditions such as arthritis, diabetes, dermatitis and ear diseases - up to the annual limit per condition, for your pet's lifetime, provided you continue to pay the annual premiums.
It is worth noting that if you change to a new insurance company or change from standard to lifetime cover with the same company any previous/pre-existing conditions will not be covered with the new policy.
Excess payments vary between individual policies. Some charge a fixed rate (e.g., £60) while other s charge a percentage of the total cost, or both. Percentage payments may be as high as 15% and will therefore be significant in some circumstances.
If you require any further assistance please do not hesitate to ask us.
