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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:
Which animals can be covered?: You can cover dogs, cats and horses with the pet insurance policies offered through this website.
What is the maximum payout per year?: Every insurance company varies and you will need to refer to one particular insurer to find out their policy on this matter.
Can I insure a pet of any age?: Most pets can be insured from 8 weeks of age right up to their 8th birthday – although if you have a select breed dog you must insure your pet by their 5th birthday. Once insured, cover will continue for your pet's lifetime as long as you renew your policy each year.
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.

What if my pet has a pre-existing medical condition?

As with a human medical insurance polices, pet insurance does not provide cover for any conditions or symptoms that your pet suffered from prior to taking out the policy and before cover is in place.

Your pet will only benefit from all the sections of cover available if new condition has been diagnosed or symptoms have shown themselves once the policy is in place, and after the first 14 days of the policy start date.

Accidental injury is covered immediately the insurance policy is in place, without any exceptions.