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- 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.
- What are the excesses of my pet insurance policy and when do they apply?
- The excess is the part of the claim you must pay and when you sign up to the pet insurance policy you will be made clearly aware of how much excess you will be expected to pay.
- Are alternative medicines covered?
- If an alternative remedy is a viable option then you will be covered – although some insurers will only accept token amounts. Alternative medicines are more widely used in equine veterinary practices, in order to support physiotherapy and other long-term treatments.
- 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.
- Are there any time limits on when I can make a claim for the death of my horse?
- The general rule is that your insurance company will pay the market value of your horse if it dies or is humanely destroyed within 12 months of the date of first clinical signs of injury or illness.
What are the excesses of my pet insurance policy and when do they apply?
The excess is the part of the claim you must pay and when you sign up to the pet insurance policy you will be made clearly aware of how much excess you will be expected to pay.
For veterinary fees an excess fee is usually applicable once per condition and could be around £35 - £50, usually depending on whether you have a cat or dog. The excess fee will normally be deducted from the claim settlement.
The only other excess that you will have to pay is for material damage to property under the Third Party Liability section - this is normally around £250 and will often need to be paid before the claim is settled.
You may also have the option of a voluntary excess - usually around £70 - £90. This will help reduce your annual premiums.