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What is not covered by my pet insurance policy?
There are a number of situations in which your pet will not be covered by a pet insurance policy.
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.
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.
What can I do if I'm not happy with my pet insurance policy?
It is always best to make sure that you are happy with the cover offered by your pet insurance company before taking the policy out. Once you have taken out cover you have 14 days to decide whether the policy meets your requirements – and you should read your policy details quickly when you first receive them to make sure the policy is right for you.
What is the difference between Market Value, Sum Insured and Purchase Price?
Understanding this terminology will make it easier for you when insuring your horse and also when making a claim:

If I don't make any claims on my pet insurance policy will I get a discount?

There is no such thing as a no claims discount in pet insurance. This is because having a no claims discount can discourage people from taking their pet to the vet and claiming for necessary treatment just to save money on their premium.

There is no monetary reason not to make a claim. Your premiums will not rise as a result of you making a claim. The only cost will be the excess payment you have to pay every time you make a claim. That is a relatively small payment of around £35 - £50.