Hot Topics

What does pet insurance cover?
Standard pet insurance policies provide cover for:
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 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.
Can I insure a pet of any age?
Most pets can be insured from 8 weeks of age right up to their 8th birthday – although if you have a select breed dog you must insure your pet by their 5th birthday. Once insured, cover will continue for your pet's lifetime as long as you renew your policy each year.
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 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