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Hot Topics
- 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 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 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.
- Am I covered for boarding fees?
- Most standard pet insurance policies will cover you in this instance. If you are hospitalised and cannot be at home to look after your pet, you will be covered for the cost of boarding your pet at a licensed kennel. Alternatively your insurance company will contribute towards the cost of homecare with a friend if you are hospitalised for more than 4 days.
Glossary of horse insurance terms
This small glossary is designed to help you with some of the words and abbreviations you will find in horse insurance documents.
Asset - An item of value e.g. Horse, saddle or trailer
BEVA - British Equine Veterinary Association
BVA - British Veterinary Association
Euthanasia - The deliberate ending of life in order to relieve incurable pain and suffering
Excess - The amount you have to pay in the event of a claim
Insurance benefit - A specific area of cover that offers protection against financial loss or damage, e.g. for Death or Personal Accident
Market value - the price generally paid for a horse of the same age, breed, bloodline, sex and ability
Policy period - the length of your insurance contract, usually 12 months
Premium - the cost to you for your insurance policy
Sum insured - the amount you choose to insure your horse for, usually the same as the market value




