My Clinic:

People tend to think it’s only older pets that get ill and therefore younger pets don’t need pet insurance but we know from the patients we see each day that that is not the case.

In fact, the younger your pet is when you insure them the better as it means you are less likely to have any existing conditions, which may not be covered by the policy and you can then receive more help covering the cost of any future treatment your pet needs.

It is important to note that not all pet insurance is the same. There are many different types of policy 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’s important to choose the right cover. Sometimes, the cheapest insurance can cost you more in the long run.  When shopping around for a policy, we suggest that you ask the following questions to allow you to compare the overall value you are getting, not just the price:

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

Unlike other forms of insurance it is not easy to switch pet 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.

White Cross Vets Complete Wellness Plan

Our Complete Wellness Plan compliments pet insurance, looking after many of the routine healthcare outgoings that insurance doesn’t cover. When you have both together you simply have two direct debits leaving your bank account each month and all you have to do is feed and cuddle your pet.

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Select your practice

White Cross Vets, Birmingham – Kings Heath

283 Alcester Road South, Kings Heath, Birmingham, B14 6EB

White Cross Vets, Bradford – Eccleshill

266 Harrogate Road, Eccleshill, Bradford BD2 3RH

White Cross Vets, Derby – Alvaston

1238 London Road, Alvaston, Derby, DE24 8QP

White Cross Vets, Dudley – Tividale

194 Regent Road, Tividale, Oldbury, B69 1SB

White Cross Vets, Leeds – Guiseley

8 Bradford Road, Guiseley, Leeds LS20 8NH

White Cross Vets, Leeds – Roundhay

31 Street Lane, Roundhay, Leeds LS8 1BW

White Cross Vets, Liverpool – Gateacre

Unit 2, Gateacre Local Centre, Gateacre Park Drive, Liverpool L25 1PD

White Cross Vets, Liverpool – West Derby

200-202 Muirhead Avenue, West Derby, Liverpool, L13 0BA

White Cross Vets, Manchester – Newton, Hyde

Talbot Road, Hyde SK14 4XG (For Sat Nav use: SK14 4EQ)
Please note we are next to the Co-op at the end of Talbot Road.

White Cross Vets, Manchester – Walkden

Mayfield Avenue, Walkden, Worsley, Manchester M28 3JF

White Cross Vets, Middlesbrough – Coulby Newham

White Cross Vets, The Parkway Centre, Coulby Newham, Middlesbrough TS8 0TJ

White Cross Vets, Northampton

The Boulevard, Weston Favell Shopping Centre, Northampton, NN3 8JP

White Cross Vets, Redcar

Unit 3 West Dyke Road Retail Park, Redcar TS10 2AA

White Cross Vets, Sheffield – Handsworth

155-159 Retford Road, Handsworth, Sheffield S13 9LD

White Cross Vets, St Helens

2-3 Millfields Court, Millfield Road, Eccleston, St Helens WA10 5RG

White Cross Vets, Walsall – Bloxwich

110 Leamore Lane, Bloxwich, Walsall WS2 7BU

White Cross Vets, Widnes

Fir Park, Queensbury Way, Widnes WA8 9BD

White Cross Vets, Wolstanton

High Street, Wolstanton, Newcastle-under-Lyme ST5 0EW

White Cross Vets, Wolverhampton

333A Penn Road, Wolverhampton WV4 5QF

Select your practice

White Cross Vets, Birmingham – Kings Heath

283 Alcester Road South, Kings Heath, Birmingham, B14 6EB

White Cross Vets, Bradford – Eccleshill

266 Harrogate Road, Eccleshill, Bradford BD2 3RH

White Cross Vets, Derby – Alvaston

1238 London Road, Alvaston, Derby, DE24 8QP

White Cross Vets, Dudley – Tividale

194 Regent Road, Tividale, Oldbury, B69 1SB

White Cross Vets, Leeds – Guiseley

8 Bradford Road, Guiseley, Leeds LS20 8NH

White Cross Vets, Leeds – Roundhay

31 Street Lane, Roundhay, Leeds LS8 1BW

White Cross Vets, Liverpool – Gateacre

Unit 2, Gateacre Local Centre, Gateacre Park Drive, Liverpool L25 1PD

White Cross Vets, Liverpool – West Derby

200-202 Muirhead Avenue, West Derby, Liverpool, L13 0BA

White Cross Vets, Manchester – Newton, Hyde

Talbot Road, Hyde SK14 4XG (For Sat Nav use: SK14 4EQ)
Please note we are next to the Co-op at the end of Talbot Road.

White Cross Vets, Manchester – Walkden

Mayfield Avenue, Walkden, Worsley, Manchester M28 3JF

White Cross Vets, Middlesbrough – Coulby Newham

White Cross Vets, The Parkway Centre, Coulby Newham, Middlesbrough TS8 0TJ

White Cross Vets, Northampton

The Boulevard, Weston Favell Shopping Centre, Northampton, NN3 8JP

White Cross Vets, Redcar

Unit 3 West Dyke Road Retail Park, Redcar TS10 2AA

White Cross Vets, Sheffield – Handsworth

155-159 Retford Road, Handsworth, Sheffield S13 9LD

White Cross Vets, St Helens

2-3 Millfields Court, Millfield Road, Eccleston, St Helens WA10 5RG

White Cross Vets, Walsall – Bloxwich

110 Leamore Lane, Bloxwich, Walsall WS2 7BU

White Cross Vets, Widnes

Fir Park, Queensbury Way, Widnes WA8 9BD

White Cross Vets, Wolstanton

High Street, Wolstanton, Newcastle-under-Lyme ST5 0EW

White Cross Vets, Wolverhampton

333A Penn Road, Wolverhampton WV4 5QF