imagine how Mr. Campion felt when Lex, his 5 year old Siberian Husky, was diagnosed with diabetes. Not only was it upsetting to think of Lex needing treatment and regular tests for the rest of his life but there was the added worry about a vets bill over several more years. You can imagine then how glad he was that he had taken out pet insurance for Lex with a reputable company and that all these costs were covered.

As if all this wasn't bad enough, Lex went on to develop ketoacidosis, a serious and potentially life-threatening complication of diabetes. He had to be hospitalised on a drip and with intensive care and medication for 4 days.

All ended well, however, and Lex has been discharged and is now stable on his insulin and special diet. The treatment for ketoacidosis was also covered under the same terms as for diabetes. Lex is really glad his owners had the foresight to get him insured. The thought of being unable to fund the life-saving treatment would have been awful to bear.

Pet insurance works like any other insurance product - there is an excess fee to be paid by the policy holder (typically £50-£80) for each condition per year. However, NOT ALL POLICIES ARE THE SAME!! Some policies with low monthly premiums have reduced rates of benefit - for example, they may apply a low amount of cover for a single condition; they may limit cover to only 12 months (this would not have been much use to Lex). So it pays to do some homework and shop around. Get a "for life"policy with a good realistic limit of cover - remember a nasty fracture to a leg can easily cost £2500 to put right.

Some conditions might not be covered, for example congenital or hereditary problems.

Link to PetPlan