Pet Insurance

Due to advances in veterinary medicine, pets are now living longer lives. Traditionally there was a limit to the extent of treatment on offer. Nowadays pet owners are finding that the cost of keeping a pet is more financially binding than it used to be.

To help ease the worry of affording treatment, especially for a chronic, on – going complaint, we promote the idea of pet insurance.

Since January 2005, the Financial Services Authority has put restrictions on who is legally eligible to advise clients on purchasing all insurance. This is to protect the public from being miss-sold a policy.

To assist our clients in choosing a policy suitable for them below is a list of some of the common ‘pit falls’ to be aware of in choosing an insurance company and policy when buying pet insurance.

  • Check if the cover (e.g. £3,000) is per condition or for total claims on all conditions
  • Check the policy will cover your pet for life with a condition, and not exclude after a set period of time or at renewal. E.g. diabetic.
  • Check the policy cover does not have maximum pay out on the life of a condition i.e. the full amount (e.g.£3,000) is renewed every new policy year, to enable you to have the full amount to claim on for the next year.
  • Check the maximum age that the company will insure a pet. Some companies will only insure older pets if you have always insured your animal with them.
  • Check if there are higher excesses and age limits for specific breeds.
  • Do they cover homeopathy/ diets/ behavioural problems?
  • Do they cover house visits?
  • Do they cover euthanasia and cremation?
  • Do they cover costs for complications of breeding?
  • Do they cover working dogs?

Once you have cover:

  • Check for exclusions they may have placed on your policy. Some exclusions can be lifted after a period of time when renewing. Ask if this is possible.
  • Do you need to keep up with any specific preventative treatment? i.e vaccinations/dental care.
  • Can you get a discount for more than 1 pet per household?


  • Any pre-existing conditions will be excluded. So it is advisable to insure at first vaccination.
  • Once you have insured your pet, if the policy payments lapse, exclusions may be placed on the new policy.

We have various leaflets produced by Insurance companies which clients are free to take away and review.

This information is provided for guidance only and does not necessarily highlight all the small print found in all policies.