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Are there different levels of cover for pet insurance?
Levels of cover for pet insurance are usually put into three sections:
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 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.
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 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.

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.