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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:
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.
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 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:
Do I need to get the insurance company's agreement before my horse is destroyed?
There are some very strict guidelines that all vets have been issued by their governing body, the British Equine Veterinary Association and a statement issued by BEVA in July 1996, with regard to the destruction of horses.

Is my horse too old or too young to insure?

All companies differ with regard to the age of horses and ponies they will insure - so the only way to find out is to speak to each one individually.

Here are some general rules to guide you:

  • Most insurance companies will cover foals from 30 days onwards, although some can arrange insurance for foals in the womb.
  • Some but not all insurers will provide insurance up to the age when your horse dies but the level of cover on older horses and ponies will be very limited. For example, cover for illness is not usually available after 20 years, and you may only be able to arrange third party liability insurance if your horse is aged over 30.