Veterinary medicine has, in most recent years, become increasingly sophisticated. We are able to diagnose and treat many conditions that a few years ago would have remained undetected. The consequences were often fatal, especially in older pets.

The downside of these advantages is cost. It is not unheard of for treatment of a case to exceed £1000!

One of the most distressing situations we find ourselves in, is where a pet’s problem is curable but the cost is too high and the patient has to be put to sleep. Alternatively an owner may have to opt for the less-than-best treatment for the animal owing to money constraints.

That’s where Pet insurance comes in. Veterinary fee cover can help you to avoid such situations, but when choosing an insurance policy, there are a few things to consider:

  • Be careful to check that the amount of veterinary cover is adequate. Over time a single, chronic illness such as skin or heart disease, can cost many hundreds of pounds.
  • Check whether the policy imposes a limit on how much you can claim for each illness. Chronic conditions can go on for life – not just 12 or 24 months.
  • Check that your pet will still be covered in later years when he/she needs it most, and that the premium in those years still represents value.

What won’t be covered: 

Like your household or car insurance, an excess will be included that you will have to pay on a claim. This may be a fixed sum, or a percentage of the total claim. Vaccinations and routine treatments such as worming are also excluded.

Pensioner and multi-pet discounts:

Some policies offer discounts allowing significant savings to be made.

Like the British Small Animal Association, we at Braid recommend pet health insurance to our clients. Our only interest is to ensure that we never have to compromise the quality of veterinary care on the basis of cost. Unfortunately, we are not allowed to recommend companies under new laws governing pet insurance.