Your pet is an important part of the family but there is not a National Health Service to help them. With 932,000 claims made in 2016 following accidents, injuries and illnesses and the average claim for a vet visit in 2016 costing £750 (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 £750(1) is the average cost, some conditions / treatments can run in to many thousands of pounds – for instance:
• £3,400 – The cost from an English Springer Spaniel that swallowed a grass seed (1)
• £1,060 – The average cost for a cat with Diabetes (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).
(1) Source – ABI Statistics 2016
No, the product offerings vary dramatically. This is both in terms of the monetary (£) benefit limits as well as the method in which limits are made available and/or renewable (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 – “Each time you renew your policy the full amount of money becomes available again”
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):
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.
You can either pay for your premium annually by debit/credit card or monthly by direct debit (subject to acceptability criteria).
No, none of the policies quoted on GoGetIt cost extra to pay monthly.
Third party liability insurance provides cover if you have legal liability should your dog cause accidental injury to a third party or damage to someone's property. It can also pay for the bills if you're required to defend yourself in a legal case involving your dog (see your policy terms & conditions for details).
Third Party Liability insurance does not provide cover for cats.