Optical and glasses insurance

If you're thinking about how to protect your peepers, see if optical insurance will give you good value for money in the long run.

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A trip to the optician for an eye test could be something you put off time and time again, especially if money is tight. But many argue that our sight is one of our most precious senses, and when it fails, it can leave dire consequences on our lives.

Eye tests help to spot any changes with your eyes so that steps can be taken to improve your eyesight if necessary. Whether the result is a new pair of prescription glasses, contact lenses, surgery or laser treatment, optical insurance could help you avoid paying the full bill yourself. We’ve looked into optical insurance to show you what it costs and who might benefit from it.

What is optical or vision insurance?

Optical insurance, or vision insurance as it is sometimes referred to, provides financial help towards paying for your vision care. A policy is typically set up where you might pay a monthly premium and access various levels of discounts on eye care and treatment.

While some general health insurance policies might include optical insurance as standard that can often be upgraded, other policies might require you to pay an additional premium to add optical insurance to your policy. Again, there are other optical plans that are standalone policies that can be bought separately.

What does optical and glasses insurance cover?

The cover benefits to an optical insurance policy can vary depending on the plan but typically can include cover towards the following:

  • Eye tests
  • Prescription glasses, contact lenses or sunglasses
  • Repairs, alterations and replacements for glasses
  • Corrective laser eye treatment

Make sure you shop around to compare policies and cover benefits to ensure you have the best chance of finding the best deal for you.

Who needs optical insurance?

The NHS suggests that you get your eyes tested every two years. This isn’t that often if you have 20/20 vision. But if your eyesight is far from perfect, you might need to visit an optician more regularly and then require more treatment as necessary.

If you fall into the latter category and you do have issues with your vision, then it’s more likely that you will need to spend money on regular tests and treatments. Unfortunately, the worse your eyesight gets, the more you’ll be spending on eye care.

This is where optical insurance could help to save you money in the long run by helping to pay part of your eye care bills.

What will optical insurance cost?

How much you’re charged for your optical insurance will very much depend on several factors like the type of insurance and the level of cover you choose. An insurer will also likely set your premium based on other personal information such as how old you are and your general health.

Do some homework to look at a range of optical insurance policies in order to see what each can offer in benefits and how much it will set you back. By comparing the cost as well as the cover, you’ll be more likely to find the best deal to suit you.

What to look for in an optical insurance plan

Finding the best optical insurance policy will really depend on your own eyesight and what eye care you need as what works for you might not work for somebody else.

Optical insurance premiums are influenced by the level of cover on offer, the provider that is willing to offer it and the type of policy you choose.

It’s worth remembering to take some time to compare policies and understand exactly what is covered in order to find a plan that matches your requirements.

Frequently asked questions

The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
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Helen Champion was an associate editor at Finder. She has worked in communications for over 16 years and currently writes on a range of topics including insurance and money transfers in the hope of empowering people to make better financial decisions. During her broadcast career, she helped to produce hundreds of news and breaking news reports for Associated Press TV and ITV News. And in public relations, she managed several high-profile public relations campaigns for Macmillan Cancer Support, the General Medical Council and overseas for Qatar Foundation on behalf of BLJ Worldwide. Helen has a Bachelor of Arts in Journalism from the University of Lincoln, a passion for practising karate in the dojo and a deep love of making mischief with her sons. See full bio

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