Hot Topics

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.
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.
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.
Is my horse too old or too young to insure?
All companies differ with regard to the age of horses and ponies they will insure – so the only way to find out is to speak to each one individually.

How does Third Party Liability work?

Third party liability is only usually included in your pet insurance policy if you have a dog, although some policies will cover cats too. It means that if your pet causes damage to a third party, whether it involves property, another person or another pet, the pet insurance will cover the costs.

Exactly as it works with car insurance - do not try and sort out the problem yourself. Send the claim form together with all correspondence, writs, summons or any other legal documents to your pet insurance company. You must not have answered any of these documents.