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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:
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.
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.
Do I need to get the insurance company's agreement before my horse is destroyed?: There are some very strict guidelines that all vets have been issued by their governing body, the British Equine Veterinary Association and a statement issued by BEVA in July 1996, with regard to the destruction of horses.
Will the insurance company want to see the body?: Never dispose of the body until you know that the insurance company is happy to settle your claim.

What does pet insurance cover?

Standard pet insurance policies provide cover for:

Treatment for your pet if it suffers injury, illness or disease
A refund of the purchase price if your pet dies in an accident
Third party liability cover - this is usually only applicable to dogs

Some policies also cover advertising and reward, loss by theft or straying, burglar reward, transport costs and personal accident.

To get covered for boarding kennel/cattery fees and holiday cancellation, you will need a specialist pet travel insurance policy.

Pet insurance effectively takes the worry out of owning a pet - all you have to do is make an annual or monthly policy payment and you can rest assured that your much-loved pet will be covered for their vet bills and for a whole range of other situations.