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We work with all major pet insurers and can claim directly from most of them, so you only pay your excess. Ask at reception when you book; we'll need your policy number and a signed claim form.

Always. We give you a written estimate before any tests, procedures or hospital stays, and we'll call you if costs are likely to change.

No. The plan spreads the cost of routine, preventive care like vaccinations and flea treatment and gives you discounts. Insurance covers unexpected illness and injury. Most owners benefit from both.

Puppies usually have their first injection at 8 weeks and a second at 10–12 weeks. Kittens start at 9 weeks with a second at 12 weeks. Boosters are given every year after that.

Cats can be neutered from four months. For dogs it depends on breed and size, from six months for small breeds to over a year for some large breeds. Your vet will advise on the best timing for your dog.

We treat rabbits, guinea pigs, ferrets, rats, hamsters and chinchillas, with vets who have extra training in small pets. For reptiles and birds, we'll refer you to a trusted exotics colleague.