Menu
  • Out of hours:02920 529 446
  • Emergency:02920 621 511

Total Care Plan

A health care plan enabling you to spread the cost of care by convenient direct debit

  • What is included?
  • How much is it?
  • How do I join?
  • What about insurance?
  • FAQ

What is included?

Included:

  • Health assessments every six months
  • Vaccinations (primary and booster)*
  • Flea and worming treatments all year round
  • Advice on diet and health + 25% off selected foods**
  • Microchipping
  • Up to £3000 of treatment at an approved referral hospital***
  • Dental treatment***
  • Blood tests/investigation
  • OOH emergency treatment at your vet's approved OOH service provider
  • Unlimited treatment at an approved referral hospital***
  • Euthanasia and cremation
  • 20% discount on neutering
  • 25% discount on pre-anaesthetic blood tests
  • 10% discount on other pet shop sales

Not included:

  • Rabies vaccination
  • Treatment of environmental flea infestations
  • Treatment for psychological an behavioural problems
  • Cosmetic treatments, pregnancy, birth, neutering, or breeding problems
  • Pre-anaesthetic profiles if animal is less than eight years old
  • Out-of-hours fee and ambulance charges for each out-of-hour emergency
  • Private cremation and return of ashes
  • Conditions excluded at initial health assessments
*Vaccines include:
Dogs: Distemper, Hepatitis, Leptospirosis, Adenovirus, Parvovirus, Parainfluenza and Kennel Cough.
Cats: Flu, Enteritis and Leukaemia.
**Diet Advice and Food:
The cost of food, including prescription and special dietary clinical foods, are not included.
***Consultation Fee:
You are required to pay one consultation fee per occurence of a condition per membership year.

How much is it?

If you want to join your pet to the Total Care plan, they will first need a health assessment from your vet. This looks at various aspects of health, such as previous problems, weight, age, dental health, etc.

On the basis of this assessment, your pet will be allocated to one of ten bands which determine the monthly payment.

An ‘average’ cat or dog will usually fall into bands B, C or D. The monthly fee will be debited from your bank account. Please see price guide below.


Please note: The first month is paid upfront at the time of joining, with subsequent monthly payments being taken by direct debit.

How does this compare to other pet insurance?

It is very difficult to make comparisons with pet insurance products, as the Total Care plan is more similar to Denplan and covers the cost of preventive care as well as any cost of accident and illness. So on the face of it, an insurance company may appear financially more attractive, but when you add up the costs of monthly flea and worm treatment, annual boosters and bi-yearly check-ups, you will be surprised how competitive the prices are.

Give us a call on 02920 621 511 to make an appointment to discuss whether this plan is right for you and your pet. We offer a free of charge assessment for your pet.

How do I join?

It’s really simple to join - all you need to do is make an appointment for an assessment, so do tell the receptionist the reason for the visit and there will be no charge. Alternatively, ask your vet to carry out an assessment when you are next visiting the surgery for any other reason.

Dogs and cats can join at any time up until eight years of age. Provided that they were registered before their 8th birthday, your pet will continue to be covered after this time.

If you take with you the details of the bank account you will use for the direct debit, we can register your pet straight away, and you can then start to enjoy the many benefits of the plan with immediate effect.

What about insurance?

Veterinary medicine advances year by year, and treatments are now possible which would have been unheard of only a few years ago. Owners expect higher and higher standards of care, and vets take a pride in providing these.

However, these improvements come at a price, and the cost of veterinary treatment continues to rise, far outstripping general inflation. According to statistics, one in every three pets will need urgent veterinary treatment each year (Source: Petplan Ltd) and you are more likely to claim on your pet insurance than on your household or car insurance policies (Source: Allianz Cornhill Insurance plc).

Example costs without insurance or a health plan

Annual costs of preventative care including vaccinations, flea and worm preventative and health check every 6 months start from £157.68 for a small dog under 10KG, and £105.98 for a cat. Based on current Heath Vets prices Jan 2018.

Many of our pets also need additional care throughout the year. In addition to one-off incidents, many pets develop chronic conditions which can be very well treated using modern medicines, giving a valuable extension of good-quality life. The cost of these ongoing problems often takes people by surprise. For example the cost of a small dog with heart disease can be upwards of £140 per month for treatment.

To avoid the heartache caused by having to compromise on your pets’ treatment, we strongly recommend having a plan in place to cover healthcare treatment should misfortune strike.

We are prevented by the Financial Services Act from giving specific advice about different pet insurance policies, but on this page we advise what sort of cover is available and what to look out for.

Three main types of pet health insurance

Lifetime policies
Cover is provided up to a set amount for veterinary fees each year and is renewed at the start of each policy year. As long as you continue to pay the premiums and renew the policy without a break in cover, there is no time limit for claims for each illness or injury. This cover is ideally suited to problems which are long term and require ongoing treatment.

Maximum benefit policies
Cover with these policies is provided up to a specified amount per condition but there is no time limit for how long you can claim. After the maximum cover amount is reached (levels vary with the insurer and policy chosen) you cannot claim for any ongoing treatment that may be required.

Time limited policies (also known as annual insurance policies)
Cover with these policies is provided up to a maximum amount per condition and cover is not available after 12 months for the condition claimed – so long-term illnesses such as diabetes or arthritis would not be covered after 12 months from the start of the claim.

The Excess

You will normally have to pay an ‘Excess’ contribution towards the cost of each condition claimed, in a similar way to motor insurance claims; this can range from £40 to more than £100, depending on the policy. You may also have to pay a percentage of the treatment costs – this condition is often imposed on older pets or those with chronic illnesses. Some insurers may offer a lower premium in exchange for you paying a percentage of the claims.

For Lifetime policies, the Excess is paid every year for each different condition claimed. So for a chronic illness, if the policy limit was set at £5000 and the Excess was £75, there would be £5000 available to spend in year one, and you would pay £75. In year two, there would be another £5000 of cover, and you would contribute a further £75, and the same in each subsequent year. For Maximum Benefit and Time Limited policies, the Excess is paid only once per claim.

What is NOT covered?

  • Problems which existed before the insurance started (faced with a claim, it is routine for the company to take a careful look at the patient’s medical notes to confirm that the condition is not a recurrence of a previous illness or injury)
  • Dental treatment is often limited to remedial treatment for broken teeth, abscesses, etc., or even totally excluded (this rules out the most common dental work needed, which is scaling and polishing, and in many policies, dental treatment is excluded altogether)
  • Inherited or congenital (born-with) conditions may be excluded by some companies
  • Problems related to breeding (except with some specialist policies)
  • Preventative treatments, such as worming and flea treatment
  • Neutering
  • Nurse consults and advise

Additional benefits

Many pet health insurance policies provide other cover as well. This might include benefits such as:

  • Complementary therapy (physiotherapy, homeopathy, acupuncture, etc.)
  • Refund of purchase price should the pet die before a certain age
  • Holiday cancellation insurance, in case your pet is ill or injured and you have to look after him
  • Advertising a reward if the pet is lost or stolen
  • Cover for travel in Europe
  • Boarding kennel costs if you are hospitalised
  • Third-party insurance in case you are sued because your pet has caused an accident (however, you should note that household insurance policies generally indemnify for third-party injury)

Consider whether these additional benefits are of use to you. For example, do you need cover while travelling abroad? Do you want compensation if your pet dies (and then, only up to the amount you paid)? Many of the ancillary insurances are of no benefit for many people, and may increase the cost of the cover.

Total Care Plan

At Heath Vets, we have designed a package which provides all the healthcare cover we think most patients need. For a monthly fee routine preventive care such as regular health checks, vaccinations, flea and worm prevention are provided by our practice.  If your pet gets sick or is injured, you just pay the consultation fee for that condition, and we cover the rest of the cost. Dental treatment is included, and where appropriate specialist referral. Membership also entitles you to discounts on other services and purchases such as neutering and pet food, and pet accessories. All our nurse clinics are free.

The Total Care Plan offers comprehensive healthcare cover at a very cost-effective price.

How to choose?

When choosing a policy, you need to decide what cover you need, then find a policy that matches this.

Don’t be unduly influenced by all the “bells and whistles” that are included but which you don’t actually require. For example, several policies include third party liability insurance; however, most household insurance policies include this as a matter of course, and if they don’t, it can often be added on for little or no cost.

In choosing, consider the following questions:

  • Lifetime, Maximum Benefit or Time Limited policy?
  • Is the financial limit adequate?
  • Does the policy cover congenital or inherited disease?
  • What dental care is covered?
  • How much is the Excess?
  • Which additional benefits are really useful for you?

When comparing different policies, make sure you compare like-with-like – read the small print! Remember, these are all commercial companies aiming to make profits for their shareholders. If one company offers lower premiums than another, it may be because their risk is lower.

FAQ

What is meant by preventative health care included?

Preventative health care is routine treatment intended to keep your pet healthy and well. It includes:

  • Vaccinations (primary and booster)
  • 6 month health checks
  • All year round flea and worm treatment
  • Health and diet advice
  • Microchipping
  • Dental treatment*
  • 20% off neutering (both spaying and castrating)
  • Blood tests and investigations**
*For each dental condition per membership year, you are required to pay the first consultation fee at the vet.
**Pre anaesthetic profiles, if the animal is less than eight years old, are not included but do attract a 25% discount.


What is meant by illness and injury included in the plan?

Plan members are entitles to unlimited treatment in respect of an illness. For each occurrence of a condition per membership year, you are required to pay the first consultation fee at the vet. Cosmetic treatments, pregnancy, birth and breeding problem treatments and anything your vet deems not critically necessary are not included in the plan.
 

What is meant by Out-of-Hours Emergencies included in the plan?

In an out-of-hours emergency plan, members are entitled to unlimited treatment. For each out-of-hours emergency per membership year, you are required to pay the out-of-hours consultation fee at the practice. You may only use and out-of-hours provider as specified by your vet. If you phone the practice outside of the normal opening hours, you will be advised on where to go.


Can the vet come to my house as part of the plan?

 No, the plan does not cover the cost of home visits.


Can I visit another practice if I am on holiday?

No, the plan does not cover the cost of visits to a vet practice whilst on holiday.


Is the plan transportable?

No, the plan is only currently available at your vet.


When the time comes to say goodbye to my pet, what is included?

Euthanasia is included in the plan as long as this is carried out by your vet, an approved referral hospital or an approved out-of-hours provider. We also cover the cost of cremation.
If you require a private cremation and/or return of ashes, this is not included in the plan.


Is this insurance?

No, this is not an insurance product. This is a preventative health care and treatment plan - entitling you to treatment and preventative health care deemed clinically necessary by your vet. Whether at the vets, at a referral practice or at the agreed out-of-hours provider, you will still have to pay a consultation fee for each condition per membership year. But bear in mind, a consultation fee is a lot less than paying the full price for an operation or ongoing treatment that could run into thousands of pounds. This is why we believe this is the best health care plan available for your pet.

Download Leaflet

Practice information

Rhiwbina Surgery

Back
  • Mon
    8:00am - 6:45pm
  • Tue
    8:00am - 6:45pm
  • Wed
    8:00am - 6:45pm
  • Thu
    8:00am - 6:45pm
  • Fri
    8:00am - 6:45pm
  • Sat
    8:00am - 1:00pm
  • Sun
    Closed
Back

Find us here:

123-125 Heol-y-Deri Rhiwbina Cardiff CF14 6UH
get directions with Google Maps

Heath Surgery

Back
  • Mon
    9:00am - 6:45pm
  • Tue
    9:00am - 6:45pm
  • Wed
    9:00am - 6:45pm
  • Thu
    9:00am - 6:45pm
  • Fri
    9:00am - 6:45pm
  • Sat
    10:00am - 1:00pm
  • Sun
    Closed
Back

Find us here:

326 Whitchurch Road Heath Cardiff CF14 3NG
get directions with Google Maps

Cyncoed Surgery

Back
  • Mon
    10:00am - 6:45pm*
  • Tue
    10:00am - 6:45pm*
  • Wed
    10:00am - 6:45pm*
  • Thu
    10:00am - 6:45pm*
  • Fri
    10:00am - 6:45pm*
  • Sat
    9:00am - 12:00pm
  • Sun
    Closed
Back

Find us here:

291 Cyncoed Road Cyncoed Cardiff CF23 6PA
get directions with Google Maps

Danescourt Surgery

Back
  • Mon
    9:00am - 6:45pm
  • Tue
    9:00am - 6:45pm
  • Wed
    9:00am - 6:45pm
  • Thu
    9:00am - 6:45pm
  • Fri
    9:00am - 6:45pm
  • Sat
    9:00am - 12:00pm
  • Sun
    Closed
Back

Find us here:

Llantrisant Road Retail Park Llantrisant Road Cardiff CF5 2BF
get directions with Google Maps