Insurance

Peace of mind in a crisis

Veterinary medicine and surgery have become increasingly complex over recent years. Technology and techniques are becoming more and more sophisticated and we are diagnosing and successfully treating cases that even a few years ago would have had a far lower recovery rate.  The downside of this is that, as in the NHS, costs have increased. Complex and prolonged cases can often have very high bills. For this reason we strongly recommend that all our clients take out pet insurance to help cover such fees.

On occasions a pet’s illness or injury may be curable but the costs involved are too high for the owner to bear, resulting in either no treatment being given or a cheaper but less effective treatment being used as a compromise.

Pet insurance can help protect against such difficult situations and allow the best work-up and treatment to go ahead.

We would strongly advise the following:

  • Insure your pet at a young age. You never know when an accident may happen. Leaving insurance until later may make your pet more difficult to insure and there will be exclusions for conditions already pre-existing.
  •  Look for life-time cover. Some policies do not continue in older animals.
  •  Make sure there is no limit on the length of time you can claim for each illness. Chronic illnesses can last for life, so the cover needs to do the same.
  •  Use a reputable company, and if possible talk to friends who have used them for pet insurance.

We endorse the concept of pet insurance and strongly recommend it to our clients to ensure that we never have to compromise on the veterinary care we can give to your pet because of potential costs.

Why Eastgate Vets promote Petplan

Not all pet insurance is 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?

At Eastgate Vets, we work in partnership with Petplan® who offer a range of plans, outlined below.

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).

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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. VetPartners Practices Limited, trading as Eastgate Veterinary Group, is an Appointed Representative of Pet Plan Limited and is not part of the Allianz (UK) group.