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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:
- 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.
- 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.
- Am I covered for boarding fees?
- Most standard pet insurance policies will cover you in this instance. If you are hospitalised and cannot be at home to look after your pet, you will be covered for the cost of boarding your pet at a licensed kennel. Alternatively your insurance company will contribute towards the cost of homecare with a friend if you are hospitalised for more than 4 days.
- Can I insure my horse for more than the Market Value?
- You can't normally insure your horse for more than its market value.
What can I do if I'm not happy with my pet insurance policy?
It is always best to make sure that you are happy with the cover offered by your pet insurance company before taking the policy out. Once you have taken out cover you have 14 days to decide whether the policy meets your requirements - and you should read your policy details quickly when you first receive them to make sure the policy is right for you.
If you decide to cancel the policy within the first 14 days then you will receive a full refund of any monies paid, as long as no claims have been made.
After the 14 day initial period, you can cancel your pet insurance policy at any time because, unlike other insurance policies, cover is paid for on a rolling monthly basis. This means you will remain covered until the end of the month you have already paid for.