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What if I lose my pet by theft or straying?
If you lose your pet by theft or straying, you will need to complete a claim form and send it to your insurance company along with the following original documents:
Am I covered for a holiday cancellation?
Holiday cancellation cover is provided within most standard pet insurance policies.
What does pet insurance cover?
Standard pet insurance policies provide cover for:
How do I make a claim with pet travel insurance?
You will need to send a claim form completed by you and your vet together with the invoice for your travel booking, as issued by the travel agent, tour operator or other holiday sales organisation. You will also need to attach any receipts or documents that are relevant to your claim type, in support of your claim application.
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 different levels of cover for pet insurance?

Levels of cover for pet insurance are usually put into three sections:

  • Standard pet insurance for pets aged up to 8
  • Senior pet insurance for pets aged 8 and over
  • Pet Travel Insurance specifically designed to cover your pet while travelling abroad

There are three different types of standard pet insurance:

  • Cover for life - you are offered a fixed amount of cover for vet fees each year and each year the policy is renewed, this amount is reinstated. This type of cover can be expensive but if your cat has arthritis for example, and required ongoing veterinary attention, this would be your best option.
  • Maximum monetary limit - you are set a maximum limit on the amount paid out for each condition, so you can claim until you reach the limit.
  • Maximum monetary and time limit - you have a maximum monetary limit for each condition and a maximum time limit for which you can claim for a condition, normally 12 months. This is usually known as a 12 month policy.