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What are the principles of pet insurance?
Pet insurance is designed to take the worry out of owning a pet – ensuring that if your pet falls ill or has an accident, you can take your pet straight to the vet without having to consider potentially expensive vet bills.
Am I covered if my dog causes an accident?
This area of insurance is known as third party liability. If your dog causes damage or injury and you are legally liable – you will be covered by your pet insurance policy.
Why do my pet insurance premiums go up each year?
Insurance companies consider a number of factors when rating pet insurance premiums in order to provide an accurate premium according to individual circumstances and risk.
Are alternative medicines covered?
If an alternative remedy is a viable option then you will be covered – although some insurers will only accept token amounts. Alternative medicines are more widely used in equine veterinary practices, in order to support physiotherapy and other long-term treatments.
What do I do when my pet dies?
You are covered if your pet dies from accident or illness – although you are not covered if your pet dies from old age.

Am I covered for boarding fees?

Most standard pet insurance policies will cover you in this instance. If you are hospitalised and cannot be at home to look after your pet, you will be covered for the cost of boarding your pet at a licensed kennel. Alternatively your insurance company will contribute towards the cost of homecare with a friend if you are hospitalised for more than 4 days.

If you need to make a claim on boarding fees, then send a claim form to your insurance company. This will need to be completed by your doctor or consultant and by the owner of the boarding kennel, cattery. They will also need an invoice from the boarding house or written confirmation from the person looking after your pet.