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Am I covered if my dog causes an accident?
This area of insurance is known as third party liability. If your dog causes damage or injury and you are legally liable – you will be covered by your pet 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.
What can I do if I'm not happy with my pet insurance policy?
It is always best to make sure that you are happy with the cover offered by your pet insurance company before taking the policy out. Once you have taken out cover you have 14 days to decide whether the policy meets your requirements – and you should read your policy details quickly when you first receive them to make sure the policy is right for you.
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.
What if my horse dies under anaesthesia?
Your horse dying under anaesthesia is not a general inclusion in a basic horse insurance policy.

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.