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Pet Insurance 

Our pets are part of the family and if they fall ill and require a visit to our veterinary surgery, diagnostic investigations and treatment costs can soon add up to a sizeable sum of money. Pet insurance can take the worry of these costs away from you.

Veterinary costs in general have risen enormously over the past 15 years, mainly due to advancement in technological procedures and specialist treatments. Thankfully, gone are the days when owner’s regularly had to have their cherished pets put to sleep because of a lack of expert treatment for certain debilitating conditions or serious injuries. With improving animal medical research, skills and resources, what were once incurable, life-threatening ailments can be dealt with effectively by many vets. With most owners, the price of treatment is secondary to preserving and enhancing their pet’s quality of life.

It is estimated that the average cost of owning a dog is around £10,000 for the duration of its life, with a 40% of that total (£4,000) going toward unforeseen veterinary bills. It is known that one in three pets will require some form of extensive surgery before they are two years old and 50% of pets in the UK need extensive surgery at some point in their lives.

Few people realise that most, if not all, pet insurance generally covers third party liability; that is, if your dog was to cause a road traffic accident with attending human injuries, liability, perhaps running into thousands of pounds, may have to be borne by you, that is, unless you have appropriate pet insurance.


There are a multitude of different providers of pet insurance with different policies. Essentially there are two types of policies; those that only cover a condition for one year, after which, an exclusion is placed on your policy to prevent  further claims for that problem and those that are for lifetime cover. Lifetime cover means that, although your premium will be slightly higher than the annual policy, if your pet suffers from an ongoing disease, such as diabetes, the insurance company will continue paying part or all of your medicine and professional veterinary feeds. I say “part or all of your costs” as this is dependent on the policy and provider you choose.

All policies have an excess before the insurance company will begin to pay for your pet’s treatment. So, if our bill came to £200 and your policy excess was £90, you would only be able to claim back £110.

We are a Petplan Appointed Representative practice. Edgewood Vet Group’s staff have undergone training to equip them with the skills and knowledge to be able to advise you on Petplan pet insurance policies and to help you choose the right one for you and your pet. We are also able to issue Immediate Veterinary Cover notes, which provide immediate cover for your pet for four weeks from the date of issue with no obligation. These can be issued at a health check and are applicable to puppies, kittens and rabbits between the age of 6 weeks and one year.

Please call your local Edgewood Vet Group surgery to talk to one of our advisors today about insuring your pet.

It should be noted that insurance policies are completely independent from Edgewood Vet Group and ultimately you are liable for any costs involved in the treatment of your pets. You can submit a claim (with our help) after you have paid us. We charge a small administration fee for processing insurance claims, which is not reclaimable from the insurance company.

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