FAQ Home | General Questions | Critical Illness Insurance | Life Insurance | Home and Contents
Mortgage Payment Protection | Mortgage Life Insurance | Short Term Income Protection Insurance
Mortgages | Car Insurance | loans | Private Medical Insurance | Travel Insurance | Pet Insurance
Hot Topics
- When can my pet insurance cover start?
- Cover will usually start as soon as your application is received and accepted, however there many well be some exclusions.
- 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.
- What is the difference between Market Value, Sum Insured and Purchase Price?
- Understanding this terminology will make it easier for you when insuring your horse and also when making a claim:
- 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 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.