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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.
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.
How do I make a claim with pet travel insurance?: You will need to send a claim form completed by you and your vet together with the invoice for your travel booking, as issued by the travel agent, tour operator or other holiday sales organisation. You will also need to attach any receipts or documents that are relevant to your claim type, in support of your claim application.
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.
Is my horse too old or too young to insure?: All companies differ with regard to the age of horses and ponies they will insure – so the only way to find out is to speak to each one individually.

What cover do I need for my horse?

Before you buy your insurance, make sure you know exactly what areas you want cover on by listing your main areas of concern should you find yourself needing to make a claim.

For most horse owners, the main areas of concern are: death, theft and legal liability. Also, with increasing levels of theft of both tack and trailers and the rising cost of veterinary fees due to advances in veterinary medicine and techniques, it is a good idea to get yourself covered for these costs too.

Choosing an insurance company that will allow you some flexibility in what is and isn't covered by your insurance will give you the best value for money.