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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.
Can I have more than one pet on one policy?: You can have more than one pet on your pet insurance policy – but normally the restriction is that the pets must be of the same type. This means that you cannot have a mixture of cats and dogs on the same policy although you can have any number of cats or any number of dogs on the same policy.
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.
Can I insure a pet of any age?: Most pets can be insured from 8 weeks of age right up to their 8th birthday – although if you have a select breed dog you must insure your pet by their 5th birthday. Once insured, cover will continue for your pet's lifetime as long as you renew your policy each year.
What cover do I need for my horse?: Before you buy your insurance, make sure you know exactly what areas you want cover on by listing your main areas of concern should you find yourself needing to make a claim.

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.

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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.