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We know that your pet plays an important role in your life. They are companions, friends and a part of your family so we understand how important it is to find the right cover for you and your pet’s needs. Purely Pets are specialists.
At Purely, we’re here to support you. That’s why all Purely Pets Customers get access to unlimited video consultations 24/7 with a qualified vet. Our easy to use online portal ‘Manage My Policy’, enables you to access to your policy 24hrs a day. This provides greater flexibility, allowing you to manage your policy at a time that suits you, so that you can spend more time with your furry friends, and less time managing your insurance. Get a quote
If you own a pet but don’t currently have pet insurance, it might be time to take action. Here are three reasons why investing in an insurance policy is so important.
Medical issues can be expensive to treat
Your pet can develop all sorts of medical problems over the course of their life. Treating those issues doesn’t come cheap, which is where pet insurance comes in. Modern vet care is extremely advanced – it includes complex surgery, chemotherapy and diagnostics tests. But such advanced procedures can mean hefty vet bills for your dog or cat. If you want your pet’s medical expenses to be more predictable, paying pet insurance premiums is the way forward.
Your pet deserves the best medical vet care
By taking out pet insurance, you are covering your beloved pet with a pet insurance policy that will help you with covering vets fees (up to your agreed amount) and much more. It means you can give them the right treatment, at the right time, at the vet of your choice, without worrying about costs. When your pet is unwell, you want to give them immediate, professional vet care. One of the ways you can offset vet costs and give you peace of mind, is to buy pet insurance.
Get cover before a medical issue develops
If your pet develops a medical issue and they are not insured, finding pet insurance can become tricky. The health concern will be classed as a pre-existing condition by an insurance provider and may not be covered under a new policy. The only way to avoid this is to take out pet insurance when your pet is healthy (i.e. before they develop any health issues).
How can I get value from lifetime pet insurance?
If cost is making you think twice about taking out pet insurance, here are some ways you could look to save on your premium:
Spread the cost: Pay your premium monthly, with interest free payments. This could help spread the financial commitment.
Make the most of 24/7 care: Instead of incurring costs by visiting the vets, speak to a professional vet, included in your insurance policy. Access unlimited 24/7 vet video calls for expert advice on your pet’s well-being, they’ll guide you on necessary steps and determine if a veterinary examination is needed. Enjoy support anytime with your Purely Pets Insurance policy.
Stay on top of preventative care: Making sure that your pet is up to date with their vaccinations, flea treatments and has been spayed or neutered can all help to keep your pet happy and healthy.
Frequently Asked Questions
As well as finding the best cover for your beloved pet, you’ll also want to find the best deal on cat insurance or dog insurance. And that means doing your research.
When you compare pet insurance, you’ll receive a pet insurance quotation that meet your pet’s needs. But first, you’ll need to provide the following information to the pet insurance provider:
- Your pet’s details: This includes their age, breed and size
- Your pet’s medical history: Has a vet diagnosed any existing medical conditions? (information provided at the point of making a claim)
As your pet becomes older, it can be harder to get cover for them. Some pet insurance providers will not let you take out cover for pets over a certain age. At Purely Pets, we have no upper age limit on our pet insurance policies. This makes it simpler to find pet insurance to protect your older pet.
You already know there are different types of cat and dog insurance cover available, but here’s what that insurance jargon actually means:
Lifetime pet insurance: Also known as reinstatement cover, this policy offers ongoing protection for illness and injuries. Your pet is covered for medical treatment administered by a vet up to a certain vet fee limit each year. The full amount is reinstated every 12 months.
Maximum benefit pet insurance: Covers each illness or accident up to a fixed amount. Once that figure is reached, your pet is no longer covered.
Time-limited pet insurance: An accident or injury is covered for a specific length of time. Handy for short term illness.
Accident-only pet insurance: Your pet is covered if they are injured in an accident – but not if they fall ill. Usually up to a certain amount.
At Purely Pets, we believe every pet deserves the very best, which is why we only offer lifetime cover. You can choose from 15 levels of cover, with costs of up to £15,000 covered by your pet insurance. Get an instant pet insurance quote today.
For many pet owners, the idea of not having pet insurance can be worrying. Can you afford to pay for vet fees if the worst were to happen and your furry friend fell ill or had an accident?
Are you able to self insure against the risk of your dog causing injury or damage to someone else or their property through third party liability legal costs?
It's important to weigh up the possibilities as insurance might be the answer to providing you with peace of mind.
There are a number of factors that determine how much you pay for pet insurance for your pet dog or cat.
Each pet is different, and the cost of pet insurance premiums can vary accordingly. Luckily, there is bound to be a policy offering you just the right cover for your pet.
- Where you (or more specifically, your pet) lives
- How much excess you want to pay (just make sure you can afford the amount you decide on).
When working out premiums for your cat insurance or dog insurance, a pet insurance provider will look at each of these factors and assign a risk rating for each one. The higher the collective risk, the more likely you will make a claim – and the higher your pet insurance premiums will be.
As a rule of thumb, the cheapest pet insurance options are accident only. But these also provide the lowest level of pet insurance cover. At the other end of the scale you have lifetime pet insurance policies, which provide the highest level of protection and give you a range of options should your pet require vet treatment at any time in their lives (providing the pet insurance policy has not lapsed, your policy has been renewed each year, and your premiums have been paid and are up to date).
You need to decide how much protection you want to give your cat or dog and decide on the level of pet insurance cover accordingly.
The cost of your pet's vaccinations aren't included on your insurance policy but they are an essential part of keeping your pet healthy.
If your cat or dog falls ill due to something that could have been prevented by a vaccine, your vet bills for treatment won't be covered by your policy.
Comprehensive pet insurance covers emergency vet fees for illness and injury. It doesn't cover your cat or dog for non-emergency treatments, which include:
Pet insurance doesn't usually cover veterinary treatment for pre-existing conditions. This includes any illnesses and injuries that developed or showed signs of developing before you took out your pet cover.
Yes, at Purely Pets, we believe that every animal deserves the best protection, which is why we provide cover from 8 weeks old.
Your beloved pet is entitled to similar policy benefits whether they are 8 weeks or years old. However, things such as death from an illness has an age restriction.
If your pet needs dental treatment as the result of an accident you will have cover from the first year of policy inception.
If dental treatment is needed because of a new illness or injury, it will be covered from year 2 onwards. Routine dental care and pre-existing oral conditions aren't covered.
Read your policy and cover limits carefully to understand the level of dental cover included in your plan.
Yes, if you have a collection of four-legged family members and are looking to insure them all, we can arrange comprehensive cover on a multi-pet plan.
Referring your friends and family to Purely Pets is easy. Simply sign up using Refer a Friend and get your unique link. You can then share your unique link with friends and family members and when they become a Purely Pets customer, both of you will get a £15 Amazon voucher or PayPal credit!
In the UK, venturing out with your pet dog in your vehicle is usual for many dog owners. However, the paramount question that arises is, should you put your dog in a car seat in the UK? The answer is decidedly affirmative.
Are you searching for a furry companion that won't trigger your allergies like a pollen-filled garden? Well, look no further than a Jack Russell terrier! These energetic and lovable canines are often hailed as hypoallergenic, but is that truly the case?
Are you considering bringing a Boxer dog into your home, but have concerns about their reputation for being a dangerous dog? Contrary to popular misconceptions, Boxer dogs are not inherently the most dangerous dogs. However, it is important to understand their temperament, potential risks, and the necessary training and socialisation to ensure responsible ownership.
According to the Association of British Insurers report, the average cost of Pet Insurance in 2019 has gone down £8 to £271 annually whilst the average claim has gone up by £29 to £822.
Depending on the type of pet cover you choose, you can be covered for vets bills for accidents, illness, or both up to a fixed monetary amount. Many policies will give you added benefits such as cover for dentistry, loss of pet, third party liability and overseas travel.
Pet insurance doesn’t normally cover you for any conditions that already exist before you purchase, so always check this if are looking to move to a new provider or if you are taking out insurance for the first time but your pet has pre-existing medical conditions.
There will also generally be an excess (a fixed amount that you contribute to any claim) or a co-payment excess (normally a percentage of the total claimed amount that you will contribute to any claim) on your policy that you will have to pay.
Other common exclusions for pet insurance are breeds listed under the Dangerous Dogs Act 1991, cover for elective, routine or cosmetic treatment and cover for illness or accidents within a specified waiting period
We offer 15 levels of Lifetime Cover at Purely Pets to suit you and your pets needs. This allows you to find a policy that can suit your requirements and budget.
These policies offer cover for accidents and illnesses for the pet’s lifetime. This is dependent upon you renewing the policy each year and keeping up to date with premiums. These are usually the most expensive policies, because they provide the most comprehensive cover. All of our Lifetime policies offer you a pot of money per year that will cover all accidents and illnesses. We only offer Lifetime cover to our customers as we believe it is the most comprehensive cover available. Like humans, our pets are more likely to be affected by illness as they get older. This means that every year your insurance premium will increase even if you haven’t made a claim. This increase will be significant if you have claimed.
Purely Pets can provide you with an online quote for your pet in minutes. With a range of lifetime options available offering vets fees cover from £1,000-£15,000 and the option to choose your excess we can help you find the right cover for you and your pet at a price that suits you. We also have a specialist Pet Insurance team that you can call to get a quote or discuss your options in more detail.