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Pet Insurance

1 in 4 UK households have a pet, and 2 million buy pet cover each year. Each year 1 in 3 pets need veterinary treatment with average bills at £300 (some complex treatments can cost more than £4,000). Consider the cost of not being covered and your pet needing treatment.

The Problem
  • Many providers require proof of vaccination, but some people do not have this to hand.
  • Families need to keep their paperwork in order for medical claims and keep all receipts for all expenses.
  • There are different levels of pet insurance, but some people simply renew while others do not have time to research the market.
The Solution: BeeMyMinder!
  • Save the vaccination certificate and other policy details online with our document storage solution.
  • Upload them online securely with the document management system.
  • Have enough time to compare pet insurance by having a tailored policy reminder prior to renewal date.
Find out what the buzz is about!

Jargon Buster

  • Accident Only Cover — only covers the treatment of accidents, not illnesses, or at most only provide emergency treatment of illnesses
  • Additional Benefits Cover — extra cover including missing pet rewards, emergency boarding costs, theft or straying, death due to accident, holiday cancellation costs
  • Annual Cover — cover where you may claim up to the level of cover selected within the period of insurance (12 months)
  • Annual Payment — a one-off payment in advance to cover a year's insurance
  • Annual Policy — cover you for a full 12 months unless cancelled by either party
  • Commencement Date — the date that the policy starts
  • Complementary Treatment — includes homeopathy, acupuncture, osteopathy, hydrotherapy and chiropractic
  • Cooling Off Period — within 14 days of receipt of your documents you can cancel your policy in order to receive a full refund. Note: as long as no claims have been made
  • Cross-breed — a pet whose parents are of two different breeds, or a mixture of several breeds
  • Dangerous Dogs Act — an act passed in 1991 that made it illegal to own, breed, sell or gift certain dog breeds
  • Excess — this is the amount that you will be asked to contribute towards the cost of a claim
  • Financial Conduct Authority (FCA) — the UK's financial watchdog, the FCA regulates the financial services industry, including insurance companies. The FCA can advise you on making a complaint against an insurance company
  • Lifetime Cover — most comprehensive form of pet insurance. Offers vet fees cover up to a maximum amount, which are reinstated each year. If your pet develops a long term chronic illness provided it didn't pre-date the policy, this will be covered for the rest of your pet's life
  • Maximum Benefit Cover — long-term or recurring illness or injuries will not be covered once the amount paid out for treatment of the illness or injury reaches the financial limit of the policy
  • Mongrel — a dog of unknown parentage
  • Overseas Travel Cover — allows you to take a pet into one of the participating countries without them having to go into quarantine as well as extra travel related benefits
  • Pedigree — a pet whose parents are both of the same pure breed
  • Period of Insurance — the length of time you are covered as noted on the policy schedule
  • Pet Travel Scheme — allows animals to travel easily between participating countries without undergoing quarantine
  • Policy — a document detailing the terms and conditions applicable to an insurance contract and constituting legal evidence of the agreement to insure
  • Policy Holder — the person in whose name the policy is issued
  • Pre-existing Condition — any condition (or complication directly resulting from that condition) that has been identified or investigated by a vet or is known to you prior to taking your original insurance on this animal
  • Premium — the amount you pay to provide annual insurance cover for your pet or pets
  • Routine Treatment — typically treatments that are carried out in regular intervals, like worming, dental cleaning or vaccinations. Note: tend not to be covered
  • Schedule — the part of a policy containing information peculiar to that particular risk
  • Third Party Liability — cover if your pet injures someone or damages their property
  • Time Limited Cover — offer a fixed amount of money for treatment over a specified period (non-lifetime)
  • Underwriter — decides whether to accept you as an insurance risk and then calculates your insurance premium
  • Vaccinations — part of maintaining your pet's health. Note: if your pet falls ill as a result of not having a vaccination, the policy would not cover the required treatment
  • Vet Fees Cover — allows you to claim up to the level selected each year providing you renew your policy
  • Voluntary Excess — chosen by you and is in addition to any compulsory excess. Note: the higher the voluntary excess the lower the premiums
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