Insurance and Cost of Veterinary Treatment

At Animals are Us Vets we try to keep all our prices competitive and to deliver a cost effective veterinary treatment which is not prohibitive while at the same time not compromising the treatment your pets receive by charging too low. However much we try to be cost effective veterinary treatment can still escalate and it is estimated that up to £1.3billion is spend annually on veterinary treatment in the UK. We therefore encourage clients to insure their pets as this could be the most important thing an owner can do for their pet.

There is no NHS for pets, insurance therefore allows an owner to budget on a monthly basis rather than be presented with a large veterinary bill unexpectedly.  Due to advances in veterinary treatment, insurance allows your pets to take full advantage of these modern and effective treatments.  These may include hip replacements, chemotherapy and radiotherapy among others.

There are more than one type of veterinary insurances, it is important that you choose correctly, and please do read the small prints and understand them before committing yourself.  Insurance policies can be very complicated, if unsure, please do not hesitate to call one of our staff who will be happy to assist.  Whatever you decide we believe any insurance is better than none as accidents do occur.

Different types of insurances

Lifetime cover policy

There is no limit as to the time and amount you claim so long as you keep up with your payment and renew your policy as required.  This is ideal for chronic cases such as arthritis, heart problems, dermatitis, diabetes, renal failure… etc

Maximum benefit policy

This policy gives a set amount per condition per life of the pet (eg £12,000) to be used up with no time limit.  Other policies will give a yearly limit (eg £5,000) to be used by your pet in one year in any condition.  This amount is available every year so long as you keep up with the premium payment.

Time-limited policies

This policy gives a maximum amount to be spent per condition, but unlike the maximum benefit above, you are allowed to claim for only 12 months.  This policy is very limiting and you may feel cheated when you realize that you only spent a small fraction of what you are entitled within the year.  It is not good for ongoing conditions such as arthritis, dermatitis, diabetes etc.


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