What is the Motor Insurers Bureau (MIB) and what do they do?
Why do I need it?
We all love our furry, feathered and scaly friends, yet taking them to the vets can get very costly.
Without the right insurance, you may end up with mounting vet bills and limited means to pay them.
It’s vital to provide our pets with the best health care we can, and Pet Insurance means vets have the scope and flexibility to keep your pets happy and healthy.
Pet Insurance can potentially save you thousands of pounds over the lifespan of your pets and ensures that they can get the right treatment when they need it.
Do you have small or exotic animals?
Pet insurance certainly isn’t one-size-fits-all, which is why we’ll arrange you a policy with your individual pet in mind, for all creatures ‘great and small’.
Shedding light on vets bills
Do you know the potential financial cost of a trip to the vets?
Whilst your pet may cower at the mere mention of the vets, owners are worried for a different reason – the costs they could potentially face following treatment. Vets are not currently required to disclose their prices, unless directly requested, for a specific service/treatment and the cost can vary widely between different practices and animal types.
The cost of x-rays depends on the size of animals and which location you’re in and they can get pricey. For dogs, they can often average up to around £200-£300 for a sole x-ray, then there’s the cost of potential general anaesthetic and keeping them in-house for a day could bring your total up to above £500, simply for a diagnosis. MRI scans can often cost over £1,000.
With pets, you learn to expect the unexpected and things can often go wrong when your local practice is closed, which means you may need to call upon the emergency vets. This would initially involve an upfront supplement of around £150 for the call out alone. If this then results in an overnight stay at the practice and further treatment/surgery, your bill could run up to thousands very easily.
Surgery has an average price tag of £1,500, however, this figure can dramatically increase dependant on the complexity of the surgery. For example, treating a cat for a growth/tumour could cost the owner of up to £700, while treating a dog with a complex fracture could easily cost between £4,000 and £6,000.
The cost of treating long-term illnesses such as arthritis, which is common in both cats and dogs, can add up over time. This is why it’s often advantageous to take out lifetime cover. Otherwise, your insurance may pay out once for the treatment and then exclude it from your policy going forwards, which would mean having to fund the treatment yourself for the lifespan of your pet.
What does it cover?
Pet Insurance can cover your pet in the means of a one-off incident such as an accident or a temporary illness, but can also cover a pet in the means of a longer term condition such as arthritis or diabetes.
Pet Insurance doesn’t only cover the cost of the pet’s treatment but, when arranged by our experts at The Insurance Centre, we can arrange cover for things such as leafleting to help you find a lost pet, ensuring they’re cared for while you’re away and cover for claims made against you.
This policy not only insures your pet in the means of a one-off incident such as an accident or a temporary illness but can also cover long-term conditions such as arthritis or diabetes.
- Overnight monitoring
- Dental cover
- Advertising/ Reward for lost pet
- Third party liability
- Death by illness/accident
- Cremation cost
- Overseas cover
- Holiday cover
- Emergency kennel/cattery fees
- Yearly vaccines
- Prescription diets
- Pre-existing illnesses
- Flea/worming treatment
- Any injury caused by negligence
- Dog walking
- Behavioural issues
- Organ Transplant
Ourselves and a number of our extended family members have used The Insurance Centre for the past 30 plus years for both our business and personal insurances. Nothing is too much trouble and all our queries are dealt with swiftly. We could not recommend them highly enough.
High Net Worth and Property portfolio client|
From the initial enquiry to going on cover, Alan our contact at The Insurance Centre has been incredibly friendly, helpful and knowledgeable.
He works with us to ensure we are happy and leaves me with the confidence that the insurance side of our business is taken care of. Nothing is too much trouble and the personal service provided is second to none.
Get Lost Escape Rooms|
Although I have now retired I would like to thank Carl and the team at The Insurance Centre for their service over the years. They have provided me with insurance cover both as a manufacturer and as a landlord and I have always relied on the help and advice provided to me.
I would be happy to recommend their services to anyone looking for insurance cover.
Steve Allen Properties Limited|
The Insurance Centre acquired the insurance broker I used to insure with approximately 15 years ago. Since then the work Claire Banks carries out for us is extremely efficient, she is reliable and does exactly what she says she will.
For that reason I have continued to renew our insurance with The Insurance Centre and I am very thankful for what Claire and the team do.
Frequently Asked Questions
It can be tricky to find the right insurance for your pet online and often there are so many policies available offering different features, meaning you never know fully know what you are and aren’t covered for. Often people don’t know the full limitations of their insurance until it’s too late. We can take that worry away from you and ensure you get the cover you require.
Pet Insurance is not a legal requirement however it is highly recommended. You must take out third party liability insurance for any pets specified in the Dangerous Dogs Act.
You can still insure your pet if it has known medical conditions, however it will not be usually be covered for the condition in question. There are options available dependant on the individual circumstances of your pet, so please contact us to discuss this further.
Of course, although premiums may be higher. It’s ideal to start cover for your pet when they are young but we understand that everyone has different circumstances so we will strive to find the best and most suitable deal for your mature pet.
Get a quote
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