Welcome to
Grove Lodge
Veterinary Group

The best-equipped veterinary hospital
for small animal care in Sussex


Pet insurance companies offer different levels of cover, from limited to unlimited for the lifetime of your pet. The cost is affected by how comprehensive a cover you choose, where you live and the age and breed of your pet.

Veterinary Fees - Lifetime cover

  • Provides veterinary fees cover for the lifetime of your pet.
  • Covers ongoing or recurring conditions
  • Renews yearly and is subject to an annual excess if you submit a claim
  • May have no financial limit, although most have a monetary limit per condition per year, anything from £4,000 - £10,000.
  • May require you to pay a percentage of each claim when your pet reaches old age.
  • This is in addition to the excess and is typically 10 - 35%.
  • Monthly premiums and/or excess usually increases as the pet ages.

Veterinary fees - Limited cover

  • Imposes a time or money limit (or both) for each separate condition treated.
  • Provides veterinary fees cover for the initial 12 months following diagnosis, after which that condition will be excluded.
  • Usually imposes a financial limit in addition to the time limit (e.g. £4,000 - £7,000 per condition).
  • Useful for one-off injury/accident costs.
  • Cheaper than lifetime cover.


  • Most companies operate a 'honeymoon period' when a new policy is taken out, which means they won't pay for veterinary treatment within the first 10-14 days of the policy start-date
  • 'Pre-existing' conditions will not be covered, i.e. when you and/or your vet knew your pet had a problem before taking out insurance
  • Some policies exclude hereditary or congenital conditions, even if previous unknown
  • Some policies won't cover pets when they become older i.e. over 8-10 years depending on your policy
  • Elective or preventative treatment are commonly excluded (e.g. dentistry, neutering, pregnancy and birth)
  • Some policies will be invalidated if your pet isn't vaccinated, or diseases arising from non-vaccination won't be covered (e.g. distemper, hepatitis, parvovirus, cat flu)
  • Euthanasia and cremation costs are not always covered

All policies also offer third party liability and most offer help with boarding kennel fees, quarantine costs, advertising and reward costs for a lost pet, and a refund of the purchase price of the animal should it stray, be stolen, or die.

Questions to consider....

  • If unlimited lifetime cover is too expensive, does the policy offer lifetime cover that pays up to a certain amount per condition per year? When you renew your policy annually, this monetary ceiling is also renewed.
  • Does the cover per condition last longer than 12months?
  • Is there a realistic monetary ceiling?
  • Will unknown congenital or hereditary conditions be covered?
  • How much does the excess or monthly premium increase as the pet ages?
  • Is there an extra excess charge (e.g. 20%) payable by you for each claim?