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What are the principles of pet insurance?: Pet insurance is designed to take the worry out of owning a pet – ensuring that if your pet falls ill or has an accident, you can take your pet straight to the vet without having to consider potentially expensive vet bills.
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.
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.
How long does it take to settle a pet insurance policy claim?: Some claims are more straightforward than others – but you can expect simple claims to be settled within 10 working days.
What do I do when my pet dies?: You are covered if your pet dies from accident or illness – although you are not covered if your pet dies from old age.

Can I insure my horse for more than the Market Value?

You can't normally insure your horse for more than its market value.

This is because your insurance is designed to put you back into the same financial position you were in before your loss, and not to cover any extra value that the horse may bring to you.

If your horse is home-bred, you and your insurer will agree a value based upon the market value of horses of similar age, breed, bloodline, sex and ability. You may be asked to supply proof of your horse's ability and achievement as supporting evidence.

If you have only just bought your horse, the purchase price and market value will be the same - and you will insure your horse for that amount.