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What is not covered by my pet insurance policy?
There are a number of situations in which your pet will not be covered by a pet insurance policy.
How does Third Party Liability work?
Third party liability is only usually included in your pet insurance policy if you have a dog, although some policies will cover cats too. It means that if your pet causes damage to a third party, whether it involves property, another person or another pet, the pet insurance will cover the costs.
What is a select breed dog?
There are a number of ‘select breeds' which are identified by pet insurance companies as breeds which incite higher veterinary costs than other breeds, in the same way that some dogs cost more to feed. Therefore if you have what is considered to be a select breed dog, your insurance will incur a supplementary insurance premium.
Do I pay the vet and you reimburse me, or can payment be made to the vet directly?
Before your allow your pet to be treated, you must ensure that the vet is prepared to complete the relevant sections of the insurance claim form and provide invoices.
What are the requirements of a pet travel insurance policy?
For your pet to travel abroad, you must fulfil the following requirements as stipulated by Pet Travel Scheme (PETS). The requirements must be carried out in the following order:

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.

This area of pet insurance is not subject to a maximum payout limit, because legal costs will cost a lot more than the usual vet bills.

Third party liability will cover situations including: your dog attacking another person's pet, your dog causing damage to another person's property, your dog causing an accident i.e. running in front of a car. It is a highly useful inclusion in pet insurance policies as these are situations that could potentially cost you hundreds of pounds if you do not have cover.

However most pet insurance policies do charge an excess fee, and this will usually be a sum of around £250.