Monday, July 30, 2007

Differences between UK and US

UK Policies usually pay 100% of vets fees. Policies in the USA usually offer to pay 80-90% of the costs minus a $50-100 deductible depending on the company (VPI Pet Insurance offers a $50 deductible, while PetCare pet insurance offers a $100 deductible). The owner will usually pay the amount due to the Vet, and then send in the claim form and receive the reimbursement. In the case of a very high bill, the Vet will usually allow the owner to work out a contingency plan to pay the Vet when the claim is processed. However, providers such as Direct Line Pet Insurance do pay the vets directly (subject to vets agreement) on behalf of customers.


Pet insurance generally will not pay for preventative veterinary care (such as vaccinations) or elective veterinary care (such as neutering) since these costs are known and can be budgeted for in advance. Recently however, some companies in the UK and US (Such as PetPlan & Direct Line Pet Insurance, in the UK, and VPI, in the US) are offering routine care coverage as well to help reimburse for all costs related to pet care.


In addition, companies are not equipped to pay for pre-existing medical conditions for a pet (much like trying to get house insurance for your already burning house), which is why, if one does choose to sign their pet up for insurance, it's best to do it as a puppy.

14 comments:

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are UK policies subsidized in any way? why can't the U.S. policies pay 100%?

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I wonder why UK policies are paying 100%? Aren't the same companies being used?

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arizona carpet cleaners said...

A friend of mine turned down pet insurance just before his dog needed a few thousand dollars of surgery. It's a good idea to buy pet insurance.

dancilhoney said...

I read your article and I am sure that it will assist in our mission to create greater awareness of pet insurance. Thanks very much. vet pet insurance

schevchenkosan said...

There are quite a few providers offering pet insurance in the UK. I noticed recently that the RSPCA offers pet insurance - I think they'd be a good option as they definitely know their stuff when it comes to animals. Their page is at http://www.rspca-petinsurance.co.uk/ - I reckon insurance is a must given how expensive veterinary fees can be.

schevchenkosan said...

- err, I didn't know you could use HTML on these comments - the page I mentioned is at

RSPCA pet insurance

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Rozer said...

You can cover your cat or dog with Pet Insurance for a little as $1 a day.

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Abeera Sultan said...

A friend of mine turned down pet insurance just before his dog needed a few thousand dollars of surgery. It's a good idea to buy pet insurance.

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