Hot Topics

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.
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.
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.
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.

Are there any time limits on when I can make a claim for the death of my horse?

The general rule is that your insurance company will pay the market value of your horse if it dies or is humanely destroyed within 12 months of the date of first clinical signs of injury or illness.

However there are some exceptions to this, in which case your horse will not be covered:

  • As a result of an injury or an illness that first showed clinical signs before the beginning of your horse's insurance
  • As a result of an illness that first showed clinical signs within the first 14 days of your insurance policy insurance commencing