What does pet insurance for dogs cover & what's included in vet fees?
Dog insurance typically covers veterinary bills, including diagnostic tests, surgeries, medications, and hospitalisation. Additionally, some policies provide coverage for accidental injuries, such as broken bones, and certain hereditary conditions.
Depending on the policy, the right dog insurance for you may also provide coverage for things like boarding fees and loss from theft/straying. Ultimately, it is important to read through your policy carefully when selecting an insurance plan for your dog.
Take a look at what you can expect to have covered when taking out Purely Pets Lifetime Gold:
- Veterinary fees/veterinary treatment
Dog insurance may be able to provide financial protection in the event that your pet needs to visit a vet, allowing you to access the care your pet needs without worrying about the cost.
Pet insurance policies usually cover a variety of veterinary-related expenses, including check-ups, prescriptions and emergency treatment, giving you peace of mind that you can always provide the best care for your pet. For more information, take a look at our policy terms and conditions.
Vet fees may be covered up to our vet fee limit of £15,000 (this level of coverage is available through our Gold Lifetime plan).
Vet fees do not cover treatments/ procedures such as flea treatment (killing or controlling) and spaying and castration (even if seen as routine treatment).
For more information on what veterinary treatment is included within your policy, read our policy wording.
Lifetime cover is a type of dog insurance that provides coverage for the whole life of the pet. It offers a wide range of benefits, from covering vet fees for unexpected illnesses and injuries that veterinary treatment may be required for, to loss from theft/straying and help with covering boarding fees.
Lifetime cover may also provide cover for long-term medical conditions such as diabetes, heart disease, and cancer. In addition, it may be able to cover alternative treatments, such as acupuncture and specialised care physiotherapy.
Dog insurance policies may provide coverage for the theft of a pet. However, some, policies may not cover medical costs associated with the theft or straying of the pet, and so it is important to check the policy details before purchasing a dog insurance plan.
Purely Pets covers loss by theft or straying and advertising costs/reward up to £2,000 when you take out our Gold Lifetime cover.
Boarding fees vary depending on the type of business, location, and services provided. Generally, boarding fees include the cost of food, bedding, and basic amenities.
Depending on the business, additional services, such as grooming, walks, and playtime, may also be included in the total fee. It is important to research the different boarding services available to ensure that you are getting the best value for your money.
Here at Purely Pets, we offer boarding fee cover of up to £2,000 as part of our Gold Lifetime coverage. Boarding fees can only be claimed in certain situations details of which can be found in the policy wording.
Many pet owners may not realise the importance of regular brushing and check-ups, leading to potentially expensive and painful dental issues down the road.
For more information on how Purely Pets may be able to help with dental treatment cover, please refer to our policy terms and conditions.
Click here to see the other benefits you will receive upon approval from our dog insurance policies.
What isn’t covered by dog insurance e.g. pre-existing conditions?
Before taking out a dog insurance policy, it's important to find out what your policy may not cover as well as seeing what you may be covered for.
Here are some of the exclusions that may apply:
Dogs used for trade, work, profession, and business
Vaccinated pets are covered, however, unvaccinated pets will not be covered for the illnesses that could have been prevented from the vaccination.
To see more exclusions that may apply to your policy, please refer to our policy wording here. If you have any questions regarding this topic, please get in touch with one of our dog insurance specialists on 0330 102 5748.
What type of pet insurance policies can I get?
What you can buy from Purely Pets:
Lifetime pet insurance is a type of insurance that offers continuous cover and lifelong protection for your pet. This type of insurance covers the cost of medical treatments and procedures, such as check-ups, surgery, and hospitalisation.
Lifetime pet insurance typically includes coverage for illness or injuries that may occur throughout your pet's life, provided the condition has only developed within the period of insurance.
What you can buy from other insurance providers:
- Accident only pet insurance
Accident only pet insurance is a type of pet insurance that covers veterinary treatment required for injuries caused by accidents. This type of pet insurance provides coverage for medical bills associated with an accident, including hospitalisation, surgery, lab tests, and medications.
- Time limited pet insurance
This type of pet insurance provides coverage for a specific amount of time, usually 12 months. When the time limitation begins is dependent on the policy terms of your insurance provider.
During this time, your pet is covered for certain types of illnesses and accidents, as well as any necessary treatments. Once the time limit or financial limit has been reached there will no longer be any further cover for that condition.
- Maximum benefit pet insurance
Maximum benefit pet insurance provides a financial amount per condition, with no time limit subject to the policy being renewed. Once this financial limit has been reached, then there will be no further cover for that condition.
Maximum benefit pet insurance may cover accidents, illnesses, surgeries, prescriptions, and more but please refer to your policy terms for full conditions for what’s included on your policy.