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Hot Topics
- Do I need a special pet insurance policy for a horse?
- Horses require a different form of insurance which allows you to protect yourself against the unexpected consequences of owning a horse or pony.
- 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.
- What does pet insurance cover?
- Standard pet insurance policies provide cover for:
- What are the requirements of a pet travel insurance policy?
- For your pet to travel abroad, you must fulfil the following requirements as stipulated by Pet Travel Scheme (PETS). The requirements must be carried out in the following order:
- Can I insure my horse for more than the Market Value?
- You can't normally insure your horse for more than its market value.
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.




