Hot Topics

When can my pet insurance cover start?
Cover will usually start as soon as your application is received and accepted, however there many well be some exclusions.
What if my pet has a pre-existing medical condition?
As with a human medical insurance polices, pet insurance does not provide cover for any conditions or symptoms that your pet suffered from prior to taking out the policy and before cover is in place.
If I don't make any claims on my pet insurance policy will I get a discount?
There is no such thing as a no claims discount in pet insurance. This is because having a no claims discount can discourage people from taking their pet to the vet and claiming for necessary treatment just to save money on their premium.
What does pet insurance cover?
Standard pet insurance policies provide cover for:
What is the difference between Market Value, Sum Insured and Purchase Price?
Understanding this terminology will make it easier for you when insuring your horse and also when making a claim:

Am I covered for a holiday cancellation?

Holiday cancellation cover is provided within most standard pet insurance policies.

This means that if you have to cancel or cut short a holiday because your pet has gone missing or becomes critically ill, you will receive a refund for the travel and accommodation expenses you cannot recover. The illness or injury stipulation is that your pet has been injured or is showing the first clinical signs or an illness either while you are away or up to 7 days before you leave - requiring immediate life-saving surgery. On average you can receive up to £1,000 during the policy year towards holiday cancellation.

When making a claim, you will need to send your insurance company a claim form which you and your vet have completed. You will also need to include the booking invoice and cancellation invoice from the travel agent, tour operator or other holiday sales organisation.

The invoices must clearly show the following: the date of the booking, the dates of the holiday, the total cost of the holiday, the date on which you made the decision to cancel or return home, and any expenses you have not been able to recover.