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- 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.
- What if my pet has a pre-existing medical condition?
- As with a human medical insurance polices, pet insurance does not provide cover for any conditions or symptoms that your pet suffered from prior to taking out the policy and before cover is in place.
- Are hereditary and/or congenital conditions covered by the pet insurance policy?
- Hereditary and congenital conditions are covered under the policy providing that you were unaware of your pet's condition at the time you took out the policy
- 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.
- 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 requirements of a pet travel insurance policy?
For your pet to travel abroad, you must fulfil the following requirements as stipulated by Pet Travel Scheme (PETS). The requirements must be carried out in the following order:
- Have your pet micro-chipped - before any of the other procedures for PETS are carried out, you must organise for your pet to be fitted with a microchip so that it can be properly identified.
- Have your pet vaccinated - your pet must be vaccinated against rabies.
- Arrange a blood test - the blood test is to ensure that the vaccine has given your pet a satisfactory level of protection against rabies.
- Get a PETS certificate - once you have completed the above, you can get an official PETS certificate from a government authorised vet. The certificate will become valid six months after the date your pet was blood sampled, and will continue to be valid until your pet's rabies vaccination booster is due. Certificates issued in rabies-free islands and some island authorities may issue certificates which are valid for only one trip to the UK. Vets in these islands will be able to advise you further.
- When travelling from outside the UK to the UK - your pet must be treated against ticks and tapeworms between 24- 48 hours before you check in for your journey to the UK. This can be carried out by any qualified vet, and they will issue an official certificate of treatment. If you are only going abroad for a day trip, and are then returning to UK, you can have the test carried out before you leave the UK.
- Sign a declaration of residency - you will need to sign a declaration which confirms your pet has not been outside any of the PETS qualifying countries in the previous six months.
Method of travel - make sure that you are travelling by a valid method as recognised by MAFF/DEFRA. If you are unsure, refer to their website for more information http://www.defra.gov.uk/animal/quarantine/index.htm