Roger Salmon column: Talk to your vet about the right type of pet insurance

Roger Salmon
Roger Salmon

Pet insurance seems to be the answer.

Vets generally encourage owners to insure their animals and sell many policies in their surgery but Peter Jones of the British Veterinary Association said: “Pet owners should 
do as much as possible before purchasing pet insurance. “

“Price comparison sites are not able to distinguish between the many different variables associated with pet insurance, so owners should talk to their vet about the right type of policy for their pet before shopping around.”

How much does pet insurance cost?

The cheapest will pay for vet’s fees for accidents and illnesses, but only for a maximum of 12 months and often there is a maximum payout.

‘Per condition’ cover sets a fee limit but does not impose a a time limit.

The cover will continue as long as you renew after 12 months.

‘Lifetime cover’ is the most expensive type but insurers will set a high maximum per year, say £10,000, but you still have to renew each year and some insurers can refuse. The price of pet insurance varies according to where you live and your pet’s breed and age.

For example, Rottweilers are one of the most expensive dogs to insure based on their breed history of medical complaints.

Rising veterinary costs and the growing range of new and expensive treatments is having a knock-on effect for insurers.

Some insurers have pulled out of the business and others are increasing their premiums.

Remember if your pet has been neutered and micro chipped, the premiums will often be reduced.