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Route Isabelle
Route Isabelle
L'Islet
01481 723863 Mon - Fri 08:00 - 18:30 | Sat 08:00 - 17:30 | Sunday by appointment
01481 241056 Mon - Fri 08:30 - 18:00 | Sat 08:30 - 12:30 | Sunday by appointment
01481 723863
Route Isabelle
Route Isabelle
L'Islet
01481 723863 Mon - Fri 08:00 - 18:30 | Sat 08:00 - 17:30 | Sunday by appointment
01481 241056 Mon - Fri 08:30 - 18:00 | Sat 08:30 - 12:30 | Sunday by appointment
01481 723863
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Pet Insurance

We take a look at various options and ask;

Should I insure my pet?

Before taking on a pet, it is important to consider the likely costs for its care, which include routine veterinary fees and unexpected costs. If your pet develops a serious or long-term medical condition, or has an accident, you will want the best treatment available, and this may involve costs that are difficult to afford. These costs may be mitigated by, for example, taking out pet insurance, or making regular payments into an allocated bank account. Planning for meeting these costs will give you peace of mind that you are able to give your pet the best modern veterinary care when it is needed.

WHAT OPTIONS ARE AVAILABLE?

Isabelle Vets supports the concept of pet insurance wholeheartedly, but under current financial laws, we are not allowed to give you advice on specific policies. We can, however, advise you on the different types of policy available, which are;lifetime cover, up to a maximum annual amount

  • lifetime cover, up to a maximum annual amount
  • cover up to a maximum specified amount for each condition
  • cover that only lasts for a year for each condition, after which the condition will not be covered

It is important to read the policy carefully and to make sure that you understand the level of cover provided.

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ARE THERE OTHER BENEFITS?

Most pet insurance policies also provide other benefits, which may include:

  • third party liability cover if your dog injures someone or damages their property
  • paying the price you paid for your pet if it is lost, stolen or dies before a certain age
  • the cost of advertising, including a reward, if your pet is lost
  • paying the cost of looking after your pet if you need to go into hospital for emergency care
  • the cost of your holiday if it is cancelled because your pet needs emergency surgery close to the date of departure
  • the cost of emergency medical treatment if you take your pet abroad under the Pet Travel Scheme

WHAT ABOUT EXCESSES AND EXCLUSIONS?

When you claim for treatment under your insurance policy, you will have to pay an excess amount – this may be a fixed sum or a percentage of the total claim. All policies will have some exclusions, which may be:

  • pre-existing conditions (problems that your pet has had before the policy was taken out)
  • anything related to pregnancy or birth
  • preventative or planned treatment e.g. vaccination, neutering, but also sometimes dental treatments
  • most policies will also have a medical exclusion period, often called a waiting period, which can be 10-30 days from the start of the policy; any condition that starts during this time may not be covered
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Insurance companies vary in the types of cover that they provide, so we would advise that you compare different options available and read the small print carefully. If you want more information about pet insurance policies, please speak to a member of staff at Isabelle Vets. Alternatively, you can read the ‘Pet Insurance Consumer Guide‘ at the Association of British Insurers

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