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Do I need a special pet insurance policy for a horse?
Horses require a different form of insurance which allows you to protect yourself against the unexpected consequences of owning a horse or pony.
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 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 if I lose my pet by theft or straying?
If you lose your pet by theft or straying, you will need to complete a claim form and send it to your insurance company along with the following original documents:

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.