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Insurance Vet Bills Explained 2019 - Find out More Information Today!

By Phillip Gray
Founder and Editor
Making sure you have the expensive Veterinary Bills covered is arguably one of the most important factors when considering pet insurance. Unexpected fees related to animal treatments can be a real worry at the best of times.

It’s stated that the number one reason for taking pet protection is for the peace of mind when caring for your beloved pet. Typically, pet plans and policies will cover a wide range of different treatments, illnesses and injuries.

Cheap Pet Insurance However, you should always carefully check all documentation related to your policy so you can fully understand exactly what it does and doesn’t cover.

In most cases, ‘decent’ policy plans will cover lots of different treatments, these can include (but not limited) to the following:

  • General Veterinary Costs – Like humans, your pet may have to visit the vet from time to time. Just like we have to visit the doctor. General vet costs include an array of treatments for injuries, accidents and illnesses. They may also cover other basic needs such as scans, x-rays and medicines. However, this will vary, depending on your provider and policy.Usually, policies won’t cover regular or annual injections, this is not normally standard in most plans. You should always remember that if you fail to keep your pet updated with regular injections then your policy could be invalid if you ever attempt to claim.

  • Dental Care – Unfortunately a lot of standard animal insurance agreements do not cover general dental work for your pet. Most of the time, dental pet insurance is an ‘extra’ or you are required to have a different policy. However, you will find on some policies dental work may be covered due to an accident, injury or illness. This will usually be ruled out for ‘cosmetic work’. For more information, please click now to read our full in-depth guide on Dental Insurance for Pets.

  • Long-Term Health Conditions – Generally speaking, most long-term or ongoing health treatments will only be covered in ‘Lifetime’ Pet Plans, which are traditionally more expensive compared to annual plans. If you’re applying for a new insurance agreement with a new provider you may have some difficult obtaining costs for an established health problem. This is because most insurers will regard a long-term ailment as a ‘pre-existing’ condition.

  • Breeding – If you plan to breed from your pet, then you will certainly need to inform any insurance providers. This can (and most likely will) increase any premiums you must pay. This it because pregnancy carries risk, the treatment can be costly and if there’s any complications this can also incur large fees. As a standard rule of thumb, breeding will not normally be covered in most pet plans from mainstream providers. Most likely you will have to seek a specialist insurer. Equally on the other hand, if you’re not planning to breed from your pet, then your insurance premiums should decrease. This is because your animal will have less chance of health problems, and you’re showing the insurance company you’re a responsible and competent owner.

  • Alternative Treatments – Believe it or not, it’s not just humans who benefit from alternative medicine, pets may also benefit too. Treatments such as homeopathy, acupuncture and physiotherapy can be recommended by a vet, however they may not always be covered under your existing policy. As this type of treatment is breaking ‘new ground’ over the past decade or so, most plans won’t offer alternative health procedures as standard.

  • Euthanasia and Cremations – If you pet has died due to an illness, injury or accident, then you may be covered for the euthanasia cost (if applicable) and cremation costs. This will vary massively from different companies, and some providers won’t cover these options at all. It’s always recommended to read every piece of documentation which comes with your policy. It’s also advised to read the small print and terms and conditions of your chosen pet insurance provider. Just like purchasing a pair of shoes or a holiday abroad, each company has different rules and procedures, so finding out as much information as possible is always recommended before committing to any legally binding document.

Claims Information for Vet Fees

Making a claim for a vet bill can sometimes seem like a real challenge. A pet insurance cover will apply on a ‘per year’, ‘per condition’, ‘per condition per year’, or ‘per condition – no time limit’ basis.

  • Per Year - Usually most ‘annual’ policies will be on a standard ‘per year’ basis, this means the insurer will cover a set amount of money towards vet bills in each policy year. You should be aware that if the policy limit is ‘reached’ during the policy year, cover for the cost of treatment may stop until the policy is renewed the following year.

  • Per Condition – This cover typically provides a set amount of cash towards veterinary costs for each condition within the policy year. This means once the limit has been ‘reached’, no more cover will be provided for that condition or illness in later years. For example, let’s say your dog needs a hip operation, once the first operation is completed, you won’t be able to claim again for another hip operation.

  • Per Condition, Per Year – Like the previous two, a per condition, per year policy will cover a set amount of money for vet bills relating to conditions and illness in each policy year. This basically means once the limit is ‘reached’ in the policy year, cover for the costs of the treatment will stop, until the policy has been renewed the following year.

  • Per Condition – Arguably one of the best plans, a per condition policy is a no time limit alternative. This is unlike a ‘per condition’ policy as this will generally pay out for conditions needing medical treatment year after year.

Maximum Vet Fees - Explained

It’s important that you consider what the maximum veterinary fees are before you choose a policy. The maximum vet fees simply relate to the maximum amount of cover a policy will provide towards any veterinary bills.

Typically, in the United Kingdom, most providers will not cover pre-existing conditions, non-essential treatments or preventative care. Usually the maximum amount of cover will vary depending on providers, however you may see amounts such as:

  • £5,000 or more per condition in total
  • £5,000 per condition per year for life
  • £6,000 per year for life
Disclaimer: As stated your policy may not be the same as the numbers mentioned above, each policy agreement is calculated on a case by case basis


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