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How long does it take to settle a pet insurance policy claim?
Some claims are more straightforward than others – but you can expect simple claims to be settled within 10 working days.
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.
What does pet insurance cover?
Standard pet insurance policies provide cover for:
Can I insure my horse for more than the Market Value?
You can't normally insure your horse for more than its market value.
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 is not covered by my pet insurance policy?

There are a number of situations in which your pet will not be covered by a pet insurance policy.

These include treatment for any pre-existing symptoms or conditions, any illness or disease that arises within the first 14 days of cover, and preventative or routine treatment such as flea treatment, neutering and vaccination. Your pet will also not be covered for behavioural problems, pregnancy, food and dental treatment, unless due to accidental external injury.

These situations are not covered because they are considered to be expected costs of pet ownership. In many cases they can also be prevented by good pet care, or would be used by only a few policyholders to the detriment of all, producing higher premiums for everyone.