Pet Insurance

Prep room

As medicine advances, costs go up. Ten years ago we wouldn’t have considered doing MRI scans but now these are done quite routinely at referral practices. Chemotherapy protocols have advanced and we can do much more now in treating and diagnosing illnesses for our pets. These advancements in medical science have made some modern treatments more costly, so having Pet Insurance is one of the ways of providing the best care for your patients. It also covers Third-party liability so if your pet injures someone or damages their property you will be covered.

Types of Pet Insurance

Lifetime Cover

This policy will cover any condition (as long as it occurred after taking out the policy) for the life of your pet. This may be one of the more expensive options but it gives the best protection. There is usually a maximum amount allowable for vets’ fees. This amount depends on the policy.

Annual Cover

The annual insurance is cheaper and will only cover new conditions for one year. If your pet was limping on one leg and you did not put in a claim but the next year you decided to claim, this would probably not be covered as it existed the year before you renewed the policy. This is not as comprehensive as Life cover but maybe affordable or adequate for your needs.

Per Condition

Cover for vets’ fees up to a specified maximum, with no time limit as long as you pay your premiums.

Accident only

This policy only covers for injuries caused by accidents.

We would recommend a Life policy but if you cannot afford it one of the other policies would be worth considering depending on your needs. Consider looking at excesses and the extra costs that may be incurred as the pets get older when deciding which company and policy to use.

Please speak to us if you are unsure. We are happy to explain and help you to make the best choice for your pets. You can call us on 01621 818282 (Tiptree) or 01206 561407 (Willows). You can also visit our websites at or


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