Your pet is an important part of the family but there is not a National Health Service to help them. With 932,000 claims made in 2016 following accidents, injuries and illnesses and the average claim for a vet visit in 2016 costing £750 (1), it is no wonder that more and more pet owners are insuring their loved ones to protect themselves from these unexpected and unbudgeted costs.
Whilst £750(1) is the average cost, some conditions / treatments can run in to many thousands of pounds – for instance:
• £3,400 – The cost from an English Springer Spaniel that swallowed a grass seed (1)
• £1,060 – The average cost for a cat with Diabetes (1)
As well as vets fees, some pet insurance policies can cover a number of other benefits including death, theft, straying, third party liability (dogs only), advertising & reward costs, kennel/cattery fees and even for trips abroad (see policy terms & conditions for details).
(1) Source – ABI Statistics 2016
No, the product offerings vary dramatically. This is both in terms of the monetary (£) benefit limits as well as the method in which limits are made available and/or renewable (see below).
• Accident only – Covers vets fees following an accident/injury only (but not illness) up to the policy benefit/limit per condition
• 12 Month / Time limited – Covers vets fees following an accident, injury & illness up to the policy benefit/limit per condition for the first 12 months from the on-set of the condition
• Maximum benefit / Benefit limited - Covers vets fees following an accident, injury & illness up to the policy benefit/limit per condition with no onward time limit
• Lifetime - Lifetime refers to the ability to renew the contract (policy) each year and when you renew the level of cover resets. If your pet’s total veterinary treatment in the policy year exceed the limit applicable for your chosen level of cover there will be no further cover until the renewal of the policy when the cover resets. So long as you keep your policy renewed, the premiums paid up to date and the insurer invites renewal, there is no limit on how long you can claim for each illness or injury. The Lifetime policies do not provide cover for treatment that occurs after the policy is lapsed or cancelled. Please read your policy terms and conditions for further information.
Ongoing cover is subject to the ongoing payment of premium. The policies do not provide cover for treatment that occurs after the policy is lapsed or cancelled. Please see your policy terms and conditions for further information.
For further details around pet insurance product definitions, please visit the Association of British Insurers (ABI) website. The ABI have written a very helpful ‘Pet Insurance Consumer Guide’ (please use the below link):
The cost of pet insurance can vary significantly across the various providers and is dependent on a number of factors including (but not limited to) your pet's breed, age, where you live and neutered status. The other main consideration in calculating the premium is the product and level of cover you choose.
You can either pay for your premium annually by debit/credit card or monthly by direct debit (subject to acceptability criteria).
No, none of the policies quoted on Go Get It cost extra to pay monthly.
Third party liability insurance provides cover if you have legal liability should your dog cause accidental injury to a third party or damage to someone's property. It can also pay for the bills if you're required to defend yourself in a legal case involving your dog (see your policy terms & conditions for details).
Third Party Liability insurance does not provide cover for cats.
Most policies will have a waiting period, typically lasting from several days to several weeks, that excludes claims being made at the beginning of the policy. This is to prevent fraudulent claims being submitted for an incident or condition that may have started prior to the inception of the insurance policy. In some cases insurers may have a different waiting period that applies separately to claims for Accidents and Illnesses. Please check your providers policy terms & conditions for details.
Charges for amending or cancelling a policy may vary between Pet Insurance providers. Please refer to your insurers Terms of Business for details about their charges and fees.
Most insurers on Go Get It will be happy to settle claims directly with your veterinary practice, however, you should check your policy terms and conditions to be certain. Also your vet will need to agree to being paid directly by the insurer.
Go Get It currently offers pet insurance comparison quotes for cats and dogs only.
Please check the policy terms and conditions of your insurance provider as the claims process can vary.
Most insurers will email your documents to you free of charge. Should you not receive your policy documents after taking out your policy, please contact your insurer.
Most providers will allow you to change cover level during the policy year, however some may restrict this to only upon the renewal of your policy. Consideration may be given to previous claims you have made under the policy. Please contact your insurer for full details.
Some providers may apply a co-insurance or co-payment deduction on claims. This is charged as a percentage of the remaining veterinary fees after an initial excess has been deducted. The percentage can vary from policy to policy, but 10% or 20% is common. The underwriter then meets the majority of the cost subject to the claim being accepted. (see policy terms & conditions for details).
Total amount claimed
Less fixed excess at £85.00
Less 10% co-insurance
Amount payable following deductions
All pet insurance policies carry a policy excess which is a fixed amount that you pay towards the cost of a claim. There is no set level of policy excess so they vary from one product/provider to another. Some policies apply the excess on a per condition basis and others on a per condition per policy year basis (see policy terms & conditions for details).
Micro-chipping is hugely beneficial in helping to reunite pets with their owners. Whilst this has previously been voluntary, as of the 6th April 2016 all dogs in England are legally required to be micro-chipped and their details registered on one of the authorised databases.
No, vaccinations do not have to be up-to-date to qualify for most pet insurance products, however, all policies quoted on Go Get It will not cover conditions that your pet could be protected from if they had been vaccinated. Furthermore, you do have a duty of care to look after your pet which means that you should take it to the vet for a health check on an annual basis.
Policies quoted on Go Get It do not cover conditions that occur before the policy start date or during the initial policy waiting period (see policy terms & conditions for further details).
Generally, most Insurers require pets to be at least 8 weeks old at the start date of the policy and typically do not have absolute upper age limit. However, some individual benefits (such as death from Illness) may have an upper age restriction. You will need to check the terms and conditions of a provider to be certain.