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- When can my pet insurance cover start?
- Cover will usually start as soon as your application is received and accepted, however there many well be some exclusions.
- What is a select breed dog?
- There are a number of ‘select breeds' which are identified by pet insurance companies as breeds which incite higher veterinary costs than other breeds, in the same way that some dogs cost more to feed. Therefore if you have what is considered to be a select breed dog, your insurance will incur a supplementary insurance premium.
- 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.
- 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.