Pinnacle Pet Healthcare offers ‘LIFE-TIME’ insurance for cats, dogs and rabbits, which pays out year after year, regardless of how long a pet is ill for or how old it lives to be. There is up to £6,000 towards veterinary treatment available per year for the life of the pet.

There are three levels of cover offered by Pinnacle Pet Healthcare and all of them offer pets protection for life:

• Pinnacle Pet Healthcare ‘Premier’ gives up to £6,000 per year vets fees, for life.
• Pinnacle Pet Healthcare ‘Classic’ gives up to £4,000 per year vets fees, for life (with £1,000 maximum per claim reason, per year).
• Pinnacle Pet Healthcare ‘Vital’ gives up to £2,000 per year vets fees, for life (with £500 maximum per claim reason, per year).

Lower cost pet insurance providers often offer what is known as ‘Per-condition’ or ’12 month Per-condition’ insurance.

Per-condition insurance limits the customer to a fixed maximum amount of money for their pet’s treatment, per condition. Once this fixed amount is used up, regardless of whether the pet still requires treatment, that condition is barred from the policy and ultimately the customer is left paying for their pet’s treatment themselves.

12-month Per-condition insurance limits the customer to a fixed amount of money for their pet’s treatment, per condition and they can only claim on that condition up to 12 months from the first occurrence. Again, if the full sum available has not been used up, that condition is barred from the policy and the customer is left paying for their pet’s treatment themselves.

Below is an example, which illustrates just how beneficial ‘Lifetime’ cover really is and that saving a few pounds now with a ‘non-lifetime’ policy could cost you £24,000 later.

‘Imagine you decided to buy one of the many ‘non-lifetime’ pet insurance policies on the market. And say you chose one which gave you up to £6,000 of cover per condition.

You might think you were well protected.

But say your pet developed a condition requiring long-term treatment, with a vet bill of £200 per month.

After 2 1/2 years, you’d have used up your £6,000, the illness would be barred from your policy, and you’d be left to pay for treatment on your own, at £2,400 a year, perhaps for 10 years or more.

That would be £24,000!

Get a free quote now with Pinnacle Pet Healthcare

Here are just some of the benefits you’ll enjoy as a Churchill Pet Insurance customer:

• Online prices from 16p a day for cats and 27p a day for dogs
• Cover for vet fees
• Cover for lost or stolen pets
• Cover for emergency kennel or cattery fees
• Use of help lines including bereavement counselling
• Pay monthly with no additional charge

Premiums payable monthly or annually

Get a quote with Churchill Pet Insurance

Earlier in 2007, the makers of anti-depressant drug Prozac revealed that dogs and cats get depressed just like humans.

This is backed up by research carried out by Sainsbury’s Bank at the end of 2003 that showed that around 632,000 dogs and cats in the UK had suffered from depression over the previous 12 months.

The depression is often picked up from their owners who are carrying out stressful lives. Busy lives that involve juggling work and family life coupled with money worries can cause us to get stressed. And our pets pick up on this which can then make them agitated or stressed or depressed themselves. This sets their owner worrying and it makes the situation worse.

The makers of Prozac have developed a chewable, beef flavoured version of their drug for pooches.

However, visiting an animal behaviorist can often help a depressed cat or dog, without the need for drugs and in many cases, with your vet’s referral, some pet insurance policies will cover the cost.