Dog Medical Insurance Cover Explained in Detail

Dog Medical Insurance - What Does Dog Medical Insurance Cover

Statistical data shows that the vet fees in the UK increase by nearly 12 per cent per year on average. This is just one of the reasons for getting dog medical insurance. The insurer will pay the larger chunk of the cost of the treatment necessary if your pet gets ill or injured. You can choose from a variety of products available so it is worth getting general information about this type of policy and the forms it comes in before you start shopping.

What does dog medical insurance cover?

The typical policy covers all sorts of medical treatments for illnesses and injuries including surgeries. Hospitalisation is also covered by standard packages. The insurer will pay for the dental care of your pet as well.

Complementary treatments are usually included in dog medical insurance plans. Some insurers consider complementary treatments just like standard medical ones provided that they are prescribed by a veterinarian. They include them in the standard medical cover. However, there are also companies which set a separate cover benefit for complementary treatments. It is usually smaller compared to the one for standard treatments, but it can still be quite useful.

dog medical insurance.jpg, 20.48kB

What are the typical exclusions from dog medical insurance plans?

Preventive treatments are excluded from virtually all pet health insurance policies. These include vaccinations and boosters, flea control treatments and preventive dental treatments. You will have to pay the fees your vet charges yourself. The same applies to spaying and castration. Usually, whelping is also excluded from the standard plans.

Pre-existing illnesses and injuries are not covered by dog medical insurance policies. This means that if your canine pet is currently sick or injured the insurer will not include the respective condition in your plan. It should be pointed out that even pre-existing conditions which you were not aware of at the time of purchase of the plan will not be covered. If you make a claim and your vet says that your dog has had a certain disease for six months while you purchased the plan three months ago, the insurer will refuse to pay for the cost of treatment. It is important to keep such policy limitations in mind.

Conditions which the pet suffers from within a set initial period after the dog medical insurance's inception will not be covered. Typically, this period is 14 days, but it may be 30 days in some cases. Basically, if your pet gets sick during this initial period, the insurer will not pay for the treatment.

In general, each policy issuer sets their specific exclusions and limitations. For instance, the company may refuse to cover dental treatments necessary due to an illness. It may pay just for ones required because of an accident. It is essential that you check the full terms and conditions of the policy before buying it.

What types of dog medical insurance are available?

Lifetime policies cover your pet for as long as it lives provided that you renew the plan annually. When purchasing the insurance, you can choose a maximum annual amount of cover. It is important to consider your pet's health and medical needs when making such a choice. It is best to purchase more insurance for an extra cost just to be on the safe side. Of course, you have to be able to afford the premium. The lifetime plans give you the most comprehensive and flexible cover as you can make as many claims per condition as necessary up to the set annual amount.

Per-condition dog medical insurance works differently. There are limits to the amount of money you can claim per condition. Usually, there is a single set limit for all illnesses and injuries. When buying a policy, you will be able to choose the maximum amount of cover per condition. Again the bigger it is the more affordable any vet treatment will be for you. Typically, you will not be able to make multiple claims per condition and this is a limitation that you have to take into account. The main advantage of per-condition policies is that they are more affordable compared to their lifetime counterparts.

Time-limited dog medical insurance policies work just like per-condition ones with the only difference being that there is a time cap as well as a cap for each illness and injury. Once the set period expires, the insurer will no longer pay for your pet's treatment even if there is some amount of cover left for the particular condition. This is the most limited type of pet health insurance. It is also the cheapest.

How much does dog medical insurance cost?

The cost of each policy depends on its type and on the amount of cover which you purchase. In most cases, the insurer will take into account individual factors such as your location and the breed, age and general health condition of your pet. The excess is usually based on the same factors as well.

There are ways to save on dog medical insurance. You can lower the premium by increasing the excess on your policy. Discounts for online purchase, for insuring multiple pets and for being a loyal customer of a company are usually available.