Hot Topics

Are there different levels of cover for pet insurance?
Levels of cover for pet insurance are usually put into three sections:
What are the excesses of my pet insurance policy and when do they apply?
The excess is the part of the claim you must pay and when you sign up to the pet insurance policy you will be made clearly aware of how much excess you will be expected to pay.
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.
Why insure your horse?
After your home and car, a horse will probably be the most expensive purchase you'll ever make – that's why it makes good sense to protect your investment.
Do I need to get the insurance company's agreement before my horse is destroyed?
There are some very strict guidelines that all vets have been issued by their governing body, the British Equine Veterinary Association and a statement issued by BEVA in July 1996, with regard to the destruction of horses.

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.

Don't get any alternative medical treatments before asking your insurer if you are covered. Always ask first as if they do not cover alternative medicine, you will have to pay the charges yourself.

If you favour acupuncture, homoeopathy and other complementary treatments, it would be a good idea to ask insurers about this before you sign up for their policy. It will avoid future disappointment.