What Type Of Cover Do I Need?

We have seen a very significant number of claims from both large animal and companion animal vets over the years. Similar to other medical professions it can be difficult for veterinary employers to pay sick pay to their vets in the incidence of them being sick or getting injured.

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Large Animal Vets are definitely the most likely of all the professions to be injured during the course of their working day. A look at our testimonial page will show you how Vets have claimed for being kicked by horses and cows, they’ve been bitten and suffered broken legs when animals landed on them. Companion Animal Vets also suffer more than their fair share of injuries at work.  

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Self Employed, Employed & Dept of Agriculture Vets
Employment characteristics of Vets can be broken into three categories. A large proportion work for the Dept of Agriculture which entitles them to three months full pay and three months half pay (6 months  & 6 months if a critical illness). To maximise the income protection benefit and to minimise the cost, it is wise to put in place a plan that incorporates these benefits and matches the income protection cover with the illness benefit and the appropriate deferred period.

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Veterinary surgeons who are employed in private practice may be entitled to some sick pay from their employer. This generally tends to last no longer than two weeks over one or two years. If it suits an employed Vet we can put a 4 week deferred plan in place. It can be a very good idea for the principals in a Vet practice to encourage their Vets to cover themselves for income protection as it means the burden of responsibility doesn’t fall on them if an employee falls ill or gets injured at work.

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