The importance of pet insurance
September 30, 2025
Our pets are more than just animals—they’re part of the family and we do everything we can to keep them happy, healthy, and safe. But just like us, pets can face unexpected health challenges, and emergency veterinary care can soon mount up. That’s where pet insurance comes in.
Pet insurance helps cover the cost of medical care, emergency surgery and long-term conditions. Having the back up of a good insurance policy means we can recommend what is clinically the best option for the situation, and you won’t have to make difficult decisions about your pet’s health based solely on finances.
Coverage Options
There are so many options for pet insurance and unlike insurance policies for cars/houses etc, generally if you move insurance provider, any conditions that your pet has been seen for (even if you have never claimed from the insurance policy), may not be covered due to terms & conditions and exclusions. If you’ve never had pet insurance before, you can read more about the types of policies available (and why they’re not all the same!), on our website here.
In 2023, we were one of the first vet practices in the UK to launch a simpler, fairer approach to pet insurance with Pet Proactive. Over 600 of our clients are now benefiting from their policies – including the fact that once you have paid us your £100 annual excess, we accept all direct claims (e.g. Pet Proactive pay us directly for your bill) and (with your instruction) can make the claim on your behalf.
If you already have pet insurance, and your dog or cat is under 6 years old, unlike with the majority of pet insurance providers, you can ask Pet Proactive for a free Switch Check. Pet Proactive will provide you a quote and (with your permission) will check your pet’s clinical history and let you know in advance if there are any exclusions to your cover. You can then make an informed choice as to where to switch providers or not. It is also worth noting that you do not need to wait for your annual renewal to do this – provided you have not made a claim during the policy year, insurers should allow you to cancel your policy at any time and provide a pro-rata refund of any unused months left on the policy term.
If you don’t yet have pet insurance, you can get a quick and free quote online.
Ultimately, pet insurance is about providing security and support when it matters most. It’s a proactive step to ensure your pet receives the best possible care throughout their life. It could be one of the best investments you make for your pet’s health—and your peace of mind.
Find out more about pet insurance and why we partner with Pet Proactive here.
