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Pet Insurance

Some helpful advice

With more than half of UK households owning a pet, the care of our beloved animals is an added expense. There are about 3,500 veterinary practices that specialise in treating every type of animal from horses and cows to cats, dogs, ferrets and hamsters.

Veterinary practices are improving their services all the time; most practices now have a wide range of facilities such as digital x-ray machines, ultrasound scanning, endoscopy, hospitalisation and general anaesthetic facilities. Treatment costs do not come cheap and repairing broken bones following an accident to an animal can soon exceed £1,000. This may come as quite a shock, so it is not surprising that more pet owners are taking out insurance policies. Dogs and cats can be insured and most policies cost no more than a few pounds a month.

When to Take Out a Policy

Buy it when your pet is young and healthy and there are no existing conditions to report. Read the small print carefully and take particular notice of the terms and conditions that will explain what is and what is not covered, together with any excess payments that may be required.

What Do You Get for Your Money?

In general, diagnosis and treatment for any accident, injury, or illness will be covered by the policy. However, pre-existing and chronic conditions will probably be excluded or subject to an excess. 

A large number of sophisticated diagnostic tests are available. Some will require the services of a laboratory, for example blood and urine samples to test for the presence of infection, diabetes or metabolic disturbances. X-rays and ultrasound scanning are other commonly used diagnostic procedures. Rapid diagnosis is important in the treatment of any illness and diagnostic tests may have to be carried out at intervals to monitor the success of the treatment or antibiotics being prescribed for an infection.

Cats and dogs stray onto roadways and frequently have to undergo hospitalisation following an accident. X-rays, transfusions and major surgery, involving the placement of metal implants, screws and plates to restore the function of shattered bones, all require expensive resources. An insurance policy in these circumstances will bring peace of mind.

Rare and unusual conditions such as leukaemia or cancer may have to be referred to a university establishment or specialists for treatment. For instance, advanced cancer diagnosis and treatment can be given at Cambridge University and the Animal Health Trust at Newmarket.

Third Party Liability

This is an important benefit as it protects pet owners from being sued if their pets cause damage or injury. This can be either a dog biting a child or a cat causing a road accident.

Premium Levels

As with most types of insurance, premiums will vary according to risk. A valuable pedigree will command a much higher premium than a crossbreed. Postcodes will also be taken into account and proximity to built-up areas of towns and cities.

Exclusions

Routine and preventative care (such as vaccinations, flea and worming treatment etc.) will be excluded, together with anything classed as cosmetic - surgery to correct a bite abnormality in a dog.

All pre-existing conditions.

Here at the Brownlow Veterinary Group, we recommend taking out a 'Covered For Life' policy where possible, (Petplan® offer such a policy). This ensures that if your pet suffers a long-term illness (for example diabetes), the policy will cover fees for the rest of your pet’s life, not just 12 months.

Practice information

Brownlow Vets

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  • Mon
    8:30am - 6:00pm
  • Tue
    8:30am - 6:00pm
  • Wed
    8:30am - 6:00pm
  • Thu
    8:30am - 6:00pm
  • Fri
    8:30am - 6:00pm
  • Sat
    8:30am - 1:00pm
  • Sun
    Closed

Emergency Details

Please call:

01691 622 152/137
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Find us here:

Ellesmere Business Park Ellesmere Shropshire SY12 OEW
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Please call this number for emergencies:

01691 622 152/137

Border Vets

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  • Mon
    8:30am - 6:00pm
  • Tue
    8:30am - 6:00pm
  • Wed
    8:30am - 6:00pm
  • Thu
    8:30am - 6:00pm
  • Fri
    8:30am - 6:00pm
  • Sat
    8:30am - 1:00pm
  • Sun
    Closed

Emergency Details

Please call:

01691 670395
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Find us here:

Kensington Gardens Maesbury Road Oswestry Shropshire SY10 8HA
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Please call this number for emergencies:

01691 670395

Castle Vets

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  • Mon
    8:30am - 6:00pm
  • Tue
    8:30am - 6:00pm
  • Wed
    2:00pm - 6:00pm
  • Thu
    8:30am - 6:00pm
  • Fri
    8:30am - 6:00pm
  • Sat
    Closed
  • Sun
    Closed

Emergency Details

Please call:

01691 774202
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Find us here:

Holyhead Road Chirk Wrexham LL14 5EU
get directions with Google Maps
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Please call this number for emergencies:

01691 774202