Pet Insurance

We encourage pet insurance as part of responsible pet ownership. It can be particularly useful when you suddenly have an unexpected large veterinary bill, for example if your animal is involved in an accident or requires referral to a specialist. It can also make all the difference with treatment of chronic conditions like diabetes or arthritis which can be costly in the long term.

Kynoch Vets is an appointed representative for Pet Plan. This means we can discuss their policies in more depth and communicate directly with them in the event of a complicated claim. We cannot give advice on other companies specifically, but there are now multiple providers offering various degrees of cover. It is important to do some research before you make a commitment. The website www.insureyourpet.co.uk is useful for further information.

You can also download the British Veterinary Association’s leaflet on The benefits of Pet Insurance

Types of policy

  • Covered for Life policy

These policies have an annual benefit which is renewed each year & provides continuous cover for long term or recurrent conditions. For example, the company may pay out £7000 per year for a condition. Even if you exceed this amount within a policy year, once you reach the renewal date the £7000 benefit will be renewed. This is the type of cover we recommend.

  • Maximum Benefit policy

These policies pay out a fixed maximum benefit for a given condition. For example, if this is £3000 and your pet has a chronic skin condition, once you have spent this money you will no longer have any costs for this condition covered by the insurer.

  • 12-month policy

These policies cover a condition for 12 months from the date the condition is first noticed and any costs incurred after this period will not be met.

What is covered?

Pet Insurance does not cover routine treatment like vaccination or neutering. Most policies do not cover dental work. Cover for physiotherapy, hydrotherapy and alternative therapies is variable. An excess will usually apply if you make a claim and some policies require that you contribute a percentage of the overall bill.

What are your responsibilities?

It is your responsibility to pay your monthly policy and inform your insurance company of any significant changes to your animal’s medical history.

We would ask you to pay your bill with the practice as you go along, and then obtain reimbursement from your insurance company. We do not allow direct claims unless the case has been authorised by a Practice Partner, pre-authorisation has been obtained from the insurance company (ie. Indicating that they will settle the claim), a Direct Claim Agreement form has been completed and the Insurance Administration Fee paid to us.

What to do if you need to make a claim

•Inform your insurance company of the situation. They will usually send you a claim form. Some can be downloaded from the internet.
•Fill in your section of the claim form.
•Submit the claim to us to complete the remainder of the form.
•The necessary invoices will be provided by us and records of the claim kept.

Tips for avoiding problems

  • Medical history

Problems encountered by your pet prior to insuring it will not be covered by your policy. For example if your pet has had a heart murmur since it was young and you decide to insure it at a later date, the company will probably not cover heart related complaints.

  • 12-month policies

These count the start of a condition as when symptoms were first noticed, even if no treatment was given, so it is possible to be excluded from claiming for a condition even if you never made a claim at that time. If you try to change insurance provider at this point, it will be considered a pre-existing condition by the new insurer, so will still be excluded.

  • Inception periods

Many policies do not allow you to claim for a condition for a short period, usually 14 days, after the policy has first been taken out. There is no point in taking out insurance the day after you’ve found out that your pet has an illness that will need expensive treatment.

  • Dental work

Policies which cover dental treatment usually only do so if your pet is checked at least annually by a vet, and only if any recommendations given by the vet are followed. This means that if the vet recommends dental treatment at your pet’s annual booster, and you forget to have it done, and recommends it again at the next annual booster, it most likely will no longer be covered.

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