VetsMediCover Pet Insurance Review – Forbes Advisor UK
Who are VetsMediCover?
VetsMediCover is a pet insurance provider. It is part of PetsMediCover Limited which is authorized and regulated by the Financial Conduct Authority.
VetsMediCover offers four levels of cover and covers your pet for vet bills up to £10,000 per year. Liability cover for dogs is offered up to £1,000,000 per year.
On its website, the provider claims to offer high-quality pet insurance, with “smart underwriting, a user-friendly app and efficient claims handling.”
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Why should I consider Vetsmedicover?
VetsMediCover offers four levels of coverage: silver, gold, platinum and diamond.
The silver policy is a 12 month policy, while gold, platinum and diamond are lifetime policies.
VetsMediCover Lifetime policies cover your pet for its lifetime as long as you keep renewing. 12-month policies only provide 365-day coverage for your pet and don’t offer the long-term security of lifetime coverage.
VetsMediCover policies include Veterinary Fees, Complementary Therapies, Dental Care and Treatment, Death Benefit, Dog Liability, Hereditary and Birth Defects Coverage, and Euthanasia Coverage. Its lifetime policies include a contribution towards the cost of prescription food.
The policies also cover emergency boarding costs, advertising and rewards, and loss through theft or wandering.
Pets are covered by VetsMediCover policies for up to three months abroad.
How to contact VetsMediCover
Customers with questions about pet insurance can contact VetsMediCover between 9 a.m. and 5 p.m. Monday through Thursday and between 9 a.m. and 4:30 p.m. on Friday.
In the event of a claim, you can contact VetsMediCover between 9 a.m. and 5 p.m. Monday to Friday.
Alternatively, the insurer can be contacted by e-mail. Full contact details can be found on the VetsMediCover website.
How to find the best coverage for you
Getting affordable pet insurance is important, but there are also a number of other factors you’ll need to consider. Choosing the cheapest policy you can find doesn’t necessarily mean it offers the best protection and could put your pet at risk of underinsurance.
When it comes to pet insurance, “lifetime” pet insurance is the most comprehensive, and therefore most expensive, coverage option. It gives you a maximum claim limit, per condition, per year, per pet. If you renew the policy every 12 months, the coverage resets.
Each pet insurance policy offers different levels of cover for the most common types of claims, so it’s important to factor that into your comparison.
The most important part of a pet insurance policy is the coverage for veterinary expenses. VetsMediCover covers vet fees up to £10,000 per year, depending on the level of cover.
Pre-existing conditions are not covered by pet insurance policies. But if you take out a lifetime policy when your pets are young, before they were diagnosed with any medical conditions, you’ll be covered for all ongoing conditions if you keep renewing the policy every year. However, these conditions will not be covered if you change providers.
Why it makes sense to compare products and suppliers
Pet insurance isn’t mandatory, but it can save you money in the long run if you own a pet. Without coverage, vet fees can be expensive for routine and emergency treatments.
Pet insurance is a competitive market, with insurers trying to outbid price and coverage in an effort to win your business. You can use this to your advantage by looking for the best deal.
If you have more than one pet, you may be able to save money by opting for a multi-pet insurance policy.
As part of your comparison, it’s also a good idea to research customer reviews on sites like TrustPilot to see how existing policyholders rate their coverage and customer service. Defaqto also awards stars to pet insurers, which can be a good indication of the service they provide.