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Ledbury Park Veterinary Centre

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Insurance for your pet

Peace of mind for you

Insurance for your pet makes good economic sense. Accidents and illness can happen to any pet at any time, and costs of treatment and investigation can be worrying. As there is no NHS for pets, the responsibility for these costs lies with you, the owner, and a good insurance policy could mean the difference between choosing the best treatment and a less costly option. Pet insurance can provide peace of mind so that you do not have to make these difficult decisions, allowing you to focus on caring for your pet.

People tend to think it’s only older pets that get ill and therefore younger pets don't need pet insurance, but we know from the patients we see each day that is not the case. In fact, the younger your pet is when you insure them the better as it means they are less likely to have any existing conditions, which may not be covered by the policy and you can then receive more help covering the cost of any future treatment your pet needs.

It is important to note that not all pet insurance is the same. There are many different types of policy available and the level of cover provided can vary considerably. The four main types of policy are as follows:

  • Accident: provides cover for accidents only and no cover for illness
  • Time-Limited: provides cover for a set amount of time (usually 12 months) and after this period the condition is excluded
  • Maximum Benefit: provides cover up to a maximum amount of money per condition and once this limit is reached the condition is excluded 
  • Lifetime: provides a set amount of money each year which is refreshed each time you renew your policy allowing you to continue to claim for ongoing conditions

As you can see from the information above, the type of policy you choose can have implications for the veterinary care of your pet and the costs you will face so it's important to choose the right cover.

Sometimes the cheapest insurance can cost you more in the long run. When shopping around for a policy, we suggest that you ask the following questions to allow you to compare the overall value you are getting, not just the price:

  • Does this policy cover congenital, hereditary, hip-related, dental and behavioural conditions?
  • Is there a time or monetary limit on how long this policy will cover ongoing conditions for?
  • If I claim, will my premium increase?

Unlike other forms of insurance it is not easy to switch pet insurance in the future as any pre-existing conditions your pet has are likely to be excluded, so it's important to do your research and choose the right cover from the start.


Ledbury Park Veterinary Centre strongly supports the principle of pet insurance, but respectfully reminds all clients that it remains your obligation to pay Ledbury Park Veterinary Centre for costs arising for treatment of your pet, and to claim these costs back from your insurance company. We do not make a charge for completion of insurance claim forms.