Hot Topics

What is not covered by my pet insurance policy?
There are a number of situations in which your pet will not be covered by a pet insurance policy.
What is the maximum payout per year?
Every insurance company varies and you will need to refer to one particular insurer to find out their policy on this matter.
If I don't make any claims on my pet insurance policy will I get a discount?
There is no such thing as a no claims discount in pet insurance. This is because having a no claims discount can discourage people from taking their pet to the vet and claiming for necessary treatment just to save money on their premium.
Why do my pet insurance premiums go up each year?
Insurance companies consider a number of factors when rating pet insurance premiums in order to provide an accurate premium according to individual circumstances and risk.
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.

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.

With horse insurance you can:

  • get cover for all types of activity - from hacking to polo, and from beginner to top competition performer
  • get extended personal accident cover which at its highest level, will include dental treatment for the rider and handler

The costs involved with looking after a horse are far and above the costs of a normal pet. A horse can suffer from a wide range of medical complaints, and they are likely to suffer an accident at some point. It is highly recommended that horse owners insure their horses, because the likelihood of having to make a claim is quite high.