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- 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.
- 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.
- Do I pay the vet and you reimburse me, or can payment be made to the vet directly?
- Before your allow your pet to be treated, you must ensure that the vet is prepared to complete the relevant sections of the insurance claim form and provide invoices.
- What do I do when my pet dies?
- You are covered if your pet dies from accident or illness – although you are not covered if your pet dies from old age.
- 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.
What if my pet develops a chronic medical condition while insured?
If your pet develops a chronic condition while insured, then you may be covered, depending on which type of pet insurance policy you have.
If you have Cover for life - the insurance policy will continue to cover vet fees for illnesses and injuries that your pet develops for life, as long as you renew your policy each year.
If you have Maximum payout - you will be covered for all treatment up to the maximum amount allowed for the condition. After that amount has been reached, you will have to cover the costs yourself.
If you have Maximum time and payout - you can only claim for a maximum time of 12 months. If you only have this type of cover then you will have to cover all costs for the chronic condition yourself after 12 months.
If you would like to cover yourself against the risk of your pet developing a chronic condition, you would be advised to opt for the Cover for life insurance option.