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What are the principles of pet insurance?: Pet insurance is designed to take the worry out of owning a pet – ensuring that if your pet falls ill or has an accident, you can take your pet straight to the vet without having to consider potentially expensive vet bills.
What does pet insurance cover?: Standard pet insurance policies provide cover for:
How does Third Party Liability work?: Third party liability is only usually included in your pet insurance policy if you have a dog, although some policies will cover cats too. It means that if your pet causes damage to a third party, whether it involves property, another person or another pet, the pet insurance will cover the costs.
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.
What if my horse dies under anaesthesia?: Your horse dying under anaesthesia is not a general inclusion in a basic horse insurance policy.

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.