Income Protection

What is Income Protection?

Financial security and independence means safeguarding your wealth against the unforeseeable and protecting you and your family in worst case situations. Whether you have been injured or suffering from an illness, preventing you from working, having the necessary insurance policies will help you through the hard times.

Taking out Income Protection Insurance means you'll be paid a monthly, tax-free income if you are signed off by your doctor as being unable to work due to illness or injury.

Most policies make monthly payments until you are able to go back to work - these payments can be vital to ensure you keep up with bills, mortgage repayments, rent or childcare costs.

If you can't go back to work, Income Protection policies still pay you an income for the rest of your plan term, providing assurance that you are protected should you be unable to return to work in your professional capacity as a Vet, Vet nurse or animal care professional.

Why do I need Income Protection?

Each year over one million people in the UK find themselves unable to work due to a serious illness or injury. Income protection is a long term insurance policy designed to provide regular payments to you if you can’t work. Whether you have a family or not, are self-employed or employed, if an illness or injury resulting in a loss of income, would mean you can't pay your bills then you should consider income protection.

You may not need income protection if you have enough savings to support yourself, could survive on government benefits or take early retirement if you can’t work – however, for many veterinary professionals, income protection provides valuable piece of mind and much needed regular income, for those times when you can't work.


  • It replaces part of your income if you can’t work because you are ill or disabled. It continues to pay out until you are able to return to work or retire
  • You are covered for most illnesses that leave you unable to work – whether this is for a long or short period of time
  • You can claim as many times as you need while the policy lasts
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How it works


You pay a monthly premium depending on your age, job and percentage of your income you would like to cover.


Your policy premiums are also affected by your health, whether you smoke and the waiting period before your policy pays out.


Own Occupation policies pay out if you can’t do the job you hold at the point of making the claim. Suited Occupation policies may require you to work in another role other than your normal job, although they will pay out if you can’t work in this insurer assigned role.