If your pet falls ill or is injured, we know you’ll want to do everything you can to help them recover. But the cost of extensive veterinary work can often come as an extra shock...
There’s only one thing worse than being faced with significant, and perhaps unexpected, medical expenses at a time that’s already likely to be stressful – and that’s having to decide whether or not you can actually afford to help your pet get the essential medical support they need in the first place.
We’re here to help your pet whenever they need us. So we strongly advise that you insure your pet to cover potential veterinary fees. This will give you peace of mind that, in the event of your pet becoming unwell, we’ll be able to do everything possible to help them, without financial pressure on you.
Here at St George’s Vets, we believe that Petplan Ltd offers the best level of cover for your pet. They offer a ‘Covered for life’ policy. This means that as long you keep your policy up-to-date, you can make claims for any condition your pet may have for the rest of his or her life. Because we’re trained in Petplan’s products, we’re free under the Financial Services Authority (FSA) regulations to discuss their products with you and offer advice. We are unable, however, to offer specific advice on other companies' products.
What to consider when choosing pet insurance:
When selecting an insurance policy for your pet, please pay careful attention to the following points and pitfalls.
If your pet has a pre-existing condition and you take out insurance, your pet won’t be covered for that condition. We therefore advise you to insure your pet when they’re in good health – preferably as soon as you get them, so they’re covered right from the start of their life with you.
Most policies have a two-week waiting period before cover begins. This is to stop people insuring their pets once a new condition has been diagnosed.
For small animals – such as dogs, cats and rabbits – there are broadly three types of policy available:
Cover for life. This is the option we strongly recommend.
12-Month policies. These give you 12 months of cover from the date a condition is diagnosed. After that, the condition is excluded on the policy and you have to fund treatment yourself.
‘Fixed Pot’ policies. These give you an amount of money to spend on your pet’s healthcare. There is usually no time limit in which to use this money, but once it’s used up you again have to fund treatment yourself.
All insurance policies carry an excess. Most companies state that you pay one excess per condition per policy year. Again, read the small print of the proposed policy very carefully before signing anything, as some companies charge you a base excess and then a percentage of each claim on top of that. Once your pet is over 10 years old, most companies charge a percentage of each claim as an additional excess.
In some instances, we’ll agree to claim our fees directly from the insurance company. If we do this, we’ll ask you to authorise us to discuss claims directly with the insurance company. Before agreeing to do a direct claim, we’ll need to check your insurance certificate.
Our fee structure:
All vets are not the same. St George’s Vets is equipped to the highest standards and our dedicated hospital in Wolverhampton is awarded the prestigious RCVS Tier 3 Hospital Standard. It’s open 24 hours a day, 365 days a year, providing an invaluable round-the-clock Accident & Emergency service to all clients.
To allow us to provide this high standard of care, we make a charge for our services. If you see a vet, a charge will always be made. Sometimes this charge will be included in the fees you’ve already paid – if your pet has had an operation, for example.
We’re open and transparent about our fees, and are always happy to provide you with an estimate of any fees you may incur. If your pet has a stay in hospital, we’ll always inform you about your bill along with your clinical update each day.
If you're interested in saving money on your pet's routine preventative health care, take a look at our Pet Health Club page.