Your pet is an important part of the family but there is not a National Health Service to help them. With up to 1 in 3 pets(1) needing to visit the vets each year following an accident, injury or illness and the average cost of each visit running at £450.00(1), it is no wonder that more and more responsible pet owners are insuring their loved ones to protect themselves from these unexpected and unbudgeted costs.
Whilst £450 is the average cost, some conditions / treatments can run in to many thousands of pounds – for instance:
- £4,300 – Paid for a broken leg(1)
- £3,066 – For an eye condition(1)
- £3,890 – For hip dysplasia(1)
As well as vets fees, some pet insurance policies can cover a number of other benefits including death, theft, straying, third party liability (dogs only), advertising & reward costs, kennel/cattery fees and even for trips abroad (see policy terms & conditions for details).
1Source – pet claims handled by UIS in 2015
The cost of pet insurance can vary significantly across the various providers and is dependent on a number of factors including (but not limited to) your pet's breed, age, where you live and neutered status. The other main consideration in calculating the premium is the product and level of cover you choose.
No, the product offerings vary dramatically. This is both in terms of the monetary (£) benefit limits as well as the actual product concept which applies to how the veterinary fees benefit applies (see below).
- Accident only – Covers vets fees following an accident/injury only (but not illness) up to the policy benefit/limit per condition
- 12 Month / Time limited – Covers vets fees following an accident, injury & illness up to the policy benefit/limit per condition for the first 12 months from the on-set of the condition
- Maximum benefit / Benefit limited - Covers vets fees following an accident, injury & illness up to the policy benefit/limit per condition with no onward time limit
- Lifetime - Covers vets fees following an accident, injury & illness up to the policy benefit/limit per condition with no onward time limit - the policy benefit re-loads at each annual renewal date of the policy
Ongoing cover is subject to the ongoing payment of premium. The policies do not provide cover for treatment that occurs after the policy is lapsed or cancelled. Please see your policy terms and conditions for further information.
For further details around pet insurance product definitions, please visit the Association of British Insurers (ABI) website. The ABI have written a very helpful ‘Pet Insurance Consumer Guide’ (please use the below link):
Your pet must be at least 5 weeks old at the start date of the policy in order to get a comparison quote on GoGetIt. The majority of our insurer’s policies don’t have an upper age limitations however, some benefits (such as death from Illness) may have an upper age restriction (see your policy terms & conditions for details).
Policies quoted on GoGetIt do not cover conditions that occur before the policy start date or during the initial policy waiting period (see policy terms & conditions for further details).
No, vaccinations do not have to be up-to-date to qualify for most pet insurance products however, all policies quoted on GoGetIt will not cover conditions that your pet could be protected from if they had been vaccinated. Furthermore, you do have a duty of care to look after your pet which means that you should take it to the vet for a health check on an annual basis.