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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.
Can I have more than one pet on one policy?
You can have more than one pet on your pet insurance policy – but normally the restriction is that the pets must be of the same type. This means that you cannot have a mixture of cats and dogs on the same policy although you can have any number of cats or any number of dogs on the same policy.
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.
Can I insure my horse for more than the Market Value?
You can't normally insure your horse for more than its market value.
What if my horse dies under anaesthesia?
Your horse dying under anaesthesia is not a general inclusion in a basic horse insurance policy.

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.