Pet Insurance

At the Vet clinic @ Birmingham Dogs Home we recommend all pet owners consider getting pet insurance. If your pet became ill or injured, as there is no NHS for pets, costs can quickly mount. These bills can be significant and unexpected.

Choosing the right insurance

It is important to note that not all pet insurance providers and policies are the same. There are many different types of policies available and the level of cover provided can vary considerably. The four main types of policy are as follows:

  • Accident: Provides cover for accidents only and no cover for illness
  • Time Limited: Provides cover for a set amount of time (usually 12 months) and after this period the condition is excluded.
  • Maximum Benefit: Provides cover up to a maximum amount of money per condition and once this limit is reached the condition is excluded.
  • Lifetime: Provides a set amount of money each year which is refreshed each time you renew your policy allowing you to continue to claim for ongoing conditions.


As you can see from the information above, the type of policy you choose can have implications for the veterinary care of your pet and the costs you will face, so it is important to choose the right cover.

Sometimes, the cheapest insurance can cost you more in the long run. When shopping for insurance, we suggest that you ask the following questions to allow you to compare the overall value you are getting:

  • Does the policy cover congenital, hereditary, hip-related, dental and behavioural conditions.
  • Is there a time or monetary limit on how long this policy will cover ongoing conditions for?
  • If I claim, will my premium increase?


Unlike other forms of insurance in the future as any pre-existing conditions your pet has are likely to be excluded so it’s important to do your research and choose the right cover from the start. 

Please see our attached guide to pet insurance and how to choose the right policy for you.

For further advice please contact us on 0121 643 4324.