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What is the maximum payout per year?
Every insurance company varies and you will need to refer to one particular insurer to find out their policy on this matter.
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.
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 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:
Will the insurance company want to see the body?
Never dispose of the body until you know that the insurance company is happy to settle your 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.