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Are there different levels of cover for pet insurance?
Levels of cover for pet insurance are usually put into three sections:
What is the maximum payout per year?
Every insurance company varies and you will need to refer to one particular insurer to find out their policy on this matter.
What if my pet develops a chronic medical condition while insured?
If your pet develops a chronic condition while insured, then you may be covered, depending on which type of pet insurance policy you have.
What can I do if I'm not happy with my pet insurance policy?
It is always best to make sure that you are happy with the cover offered by your pet insurance company before taking the policy out. Once you have taken out cover you have 14 days to decide whether the policy meets your requirements – and you should read your policy details quickly when you first receive them to make sure the policy is right for you.
Is my horse too old or too young to insure?
All companies differ with regard to the age of horses and ponies they will insure – so the only way to find out is to speak to each one individually.

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.