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What is a select breed dog?: There are a number of ‘select breeds' which are identified by pet insurance companies as breeds which incite higher veterinary costs than other breeds, in the same way that some dogs cost more to feed. Therefore if you have what is considered to be a select breed dog, your insurance will incur a supplementary insurance premium.
What are the excesses of my pet insurance policy and when do they apply?: The excess is the part of the claim you must pay and when you sign up to the pet insurance policy you will be made clearly aware of how much excess you will be expected to pay.
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:
Why insure your horse?: After your home and car, a horse will probably be the most expensive purchase you'll ever make – that's why it makes good sense to protect your investment.

Do I pay the vet and you reimburse me, or can payment be made to the vet directly?

Before your allow your pet to be treated, you must ensure that the vet is prepared to complete the relevant sections of the insurance claim form and provide invoices.

Then to claim, you will complete your section of the claim form and then ask your vet to complete their part. You will then send the claim form to your pet insurance company, together with the invoices setting out the costs involved.

Most insurers are happy to make claim payments directly to your vet, provided that you check with your vet first that they may do this. You can advise us who should receive the claim payment on the claim form. If you are asking your insurance company to pay your veterinary practice directly, you should make your excess payment to the practice, not to your insurer.

If you are aware of some expensive veterinary treatment coming up and you are unsure about whether you are covered for some or all of the cost of treatment, then you and your vet can send your insurer a completed pre-authorisation claim form before veterinary treatment starts.