Pets insurance: do they cover expensive surgical operations?

[Leo12345]

Hello!

We have a new puppy and thought of insuring her.

But I am confused with insurances I found.
They all pay you lump sum if you pet dies (I really don't need this!)
They all pay sums like £80 for vet visits (I don't need this either)

What I need is if my dog has an accident or a health condition that requires expensive surgical operation costing thousands of pounds - I want this to be covered.

Do insurances like this exist at all or I am wasting my time?

Many thanks for your help!

You need look at the amount they cover - my puppy is covered for up to 15k per year.

I would hope they do, otherwise what is the point of insurance?

I look at insurances in moneysupermarket and they show:

Lost or stolen: £750 - why on earth I need this???
Death by illness: £750 - same as above
Boarding fees £500
Vet fee limit: Per Condition Limit Per Year of £2,500

But when I open the "statement-of-demands-and-needs" document I see:

Covers treatment and/or complementary treatment following
an injury, illness or condition.
Including:
• up to 30p per cat / 60p per dog per day (maximum £100)
for the difference between your pet’s normal diet and any
prescribed diet for the treatment of bladder stones or
crystals in urine.
• up to £90 for house calls/out of hours calls if your pet was
suffering from a life-endangering injury.
• up to £40 towards hospitalisation fees.
• up to £20 towards interpretation fees.
• up to £250 towards hydrotherapy costs.
• up to £45 each time for consultation fees (attending vet).
• up to £90 each time for consultation fees (referral vet).

Does not show anywhere that it will cover a surgical operation costing say £2000.

@NameChanger22 the point of the insurance from the point of view of the insurer is to earn money.

What level of cover are you looking at? Cos there's a few different levels and that can make a difference too. If they cover for accidents or illnesses then yes they will cover for surgery (basically anything relating from that accident or injury) but you've got to look at the limit of cover if there is one and if it's an annual or lifetime policy

Be very careful who you insure with, the only insurance I would ever get for my animals is Pet Plan or Co-op both underwritten by Allianz, and I have never had an issue with them paying out, and my dog had to have both his knees sorted out and each one cost well over a £1000 each.

So in the case of PP and Co-op yes they do pay out for operations (not castrations or some dentals)

They do cover surgeries, but there's usually an upper limit. The more you pay in premiums, the more they'll cover. You may want to look for one that gives continuous/lifetime cover for a condition, so that if they develop a chronic condition that recurs, it will be covered from one year to the next, otherwise the insurer will exclude that condition when the policy renews. Also, if you make claims, be prepared for the premiums to skyrocket! My dog suffers from pancreatitis and I've had to claim several times over the past 5 years. My premiums are now ridiculous .

Which insurer are you looking at?

PetPlan have a good reputation - they do pay out, pay vets directly, and don't increase your premiums if you make a claim (they just go up a bit with age).

Whichever cover you go for, make sure it's a lifetime police, as the annual policies are useless after 12 months if your dog has a chronic or recurring condition.

They do the lost or stolen thing because they pay for lost dog posters and cash rewards