Pet Insurance Pet Insurance is something all pet owners should think about having. Veterinary medicine is capable of some amazing treatments but they come at a cost and having pet insurance could literally mean the difference between life and death for your pet. Often we also can offer complex or specialist treatment which would return your pet to a normal life, but this can be very expensive. However it is wonderful when we can do the very best treatment available, rather than getting by what can be afforded, for example repair of a complicated fracture, versus amputation of a leg. When Should I Get It? When your dog is a pup is the best time to arrange insurance, while you are thinking about it and, hopefully, before they develop any problems or injuries which could mean higher premiums. It is never too late to think about taking it out. Older adult dogs, however will, have higher premiums, and if over around 7 or 8 years of age they may not be able to be protected. If a policy is taken out before that age however, many policies will continue on into old age. Going about things the right way to manage any insurance claims is also very important! Remember, if an illness or accident has already happened you will not be able to insure your pet for that problem. Claiming For Illnesses Once insured it is important to remember that any illnesses or accidents your pet has should be reported to your insurance company, even if you are not going to make a claim. Pets are not like cars! If you are unlucky enough to have a pet with an illness or injury for which you have to make a claim, your insurance company will require to see the whole of the veterinary history for your pet. If previous problems have not been reported, the insurance company may refuse to pay out on a claim. Some policies are very strict about when illnesses should be reported to the insurance company, and it is important to let them know as soon as possible to ensure that deadline is met. So if in doubt, tell them!