Why Parker & Crowther Promote Insurance?
Not all pet insurances are the same, and with advancements in veterinary medicine it’s essential to choose the right insurance so you can get the right treatment for your pet without having to worry about the cost.
The policy you choose can have implications for the veterinary care of your pet so it’s important to choose the right cover. When shopping around for a policy, we recommend that you consider the following:
- Does the policy cover congenital, hereditary, hip-related, dental and behavioural conditions?
- Is there a time or monetary limit on how long the policy will cover ongoing conditions for?
- If you claim, will your premium increase?
- Is the Policy a Life Long Cover?
Our Four Branches can offer you 4 weeks Free Insurance with Pet Plan if they are in with us for a health check and can be signed up if they are under 18 months old. – Ask your Vet or Reception team today.
No cover is provided for pre-existing conditions. Your premium will increase over the lifetime of your policy and terms, conditions and excesses apply and may be varied on renewal. Typically a 20% excess (in addition to the fixed excess) is introduced at the pet’s 10th birthday for cats and dogs and 7th birthday for rabbits and some breeds of dog on our Covered for Life® plans. On our Essential plan the 20% excess is introduced at the cat or dog’s 8th birthday (5th birthday for some breeds of dog).
Terms, conditions and excesses apply and may be varied on renewal. No cover is provided for pre-existing conditions. Petplan is a trading name of Pet Plan Limited and Allianz Insurance plc. Daleside Veterinary Surgery is an Appointed Representative of Pet Plan Limited and is not part of the Allianz (UK) group.
PET INSURANCE – POINTS TO CONSIDER
Our practice really does recommend pet insurance as it helps reduce the financial worry of paying for your pet’s treatment. But it is not without certain issues:
• You cannot accrue a “No Claims Bonus” for your pet
• Unlike car & house insurance, shopping around for the cheapest policy & changing insurer regularly is NOT recommended
• If you change insurer any treatment you pet has received in the past for any condition is likely to be considered as a pre-existing condition & therefore would be excluded in a new policy. Some insurers will contact the vet for a history before insuring your pet
• Most insurers will not start a new policy for older pets; The exact age varies depending on species & breed
• If your pet requires long-term medication for a condition then it is highly likely that your premium & excess will increase each year, but if you chose to change insurer then the long-term condition will be excluded as a pre-existing condition
• When taking out a new policy there is usually a cooling off period for illnesses; This means that your pet is not covered for any illnesses that start within the first 2-4 weeks of a new policy. Cover for accidents usually starts immediately
• When choosing a policy make sure that you have read all of the small print & that you understand the type of policy you are purchasing & that you are getting the amount of cover that you want
• The policy excess is payable PER condition & PER policy year
• Annual policies will only pay for 12 months treatment from the first treatment date for any one condition
• Policies may have a maximum Veterinary fee limit per condition and/or per year
• When you take out a pet insurance policy this is a contract between you & the chosen insurer & so any queries regarding claim payments should be made to your insurer
We will try to help you in resolving any queries, but ultimately it is up to the insurer what they will pay for & how much they will pay.