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Am I covered if my dog causes an accident?
This area of insurance is known as third party liability. If your dog causes damage or injury and you are legally liable – you will be covered by your pet insurance policy.
Are hereditary and/or congenital conditions covered by the pet insurance policy?
Hereditary and congenital conditions are covered under the policy providing that you were unaware of your pet's condition at the time you took out the policy
What if I lose my pet by theft or straying?
If you lose your pet by theft or straying, you will need to complete a claim form and send it to your insurance company along with the following original documents:
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.
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.

How long does it take to settle a pet insurance policy claim?

Some claims are more straightforward than others - but you can expect simple claims to be settled within 10 working days.

When you call your insurance company to make a claim, a Claims Advisor will give you an indication of the timescales involved. Provided the claim is within the terms of the policy, and you can provide all the information they require, your claim should be settled extremely promptly

Some insurance companies will deal directly with your vet, so you don't even need to get involved in the claims process!

Third party liability claims are completely separate from other issues relating to vet bills etc. They often take a long time to settle - however the pet insurance company deals with the claim on your behalf, and at the worst you will only have to pay the excess fee, which is usually around £250.