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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:
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.
How can I pay my premiums?: You can either pay by monthly direct debit or with an annual one-off payment.
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.
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.