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Am I covered if my dog causes an accident?
This area of insurance is known as third party liability. If your dog causes damage or injury and you are legally liable – you will be covered by your pet insurance policy.
If I don't make any claims on my pet insurance policy will I get a discount?
There is no such thing as a no claims discount in pet insurance. This is because having a no claims discount can discourage people from taking their pet to the vet and claiming for necessary treatment just to save money on their premium.
How can I pay my premiums?
You can either pay by monthly direct debit or with an annual one-off payment.
Are alternative medicines covered?
If an alternative remedy is a viable option then you will be covered – although some insurers will only accept token amounts. Alternative medicines are more widely used in equine veterinary practices, in order to support physiotherapy and other long-term treatments.
What are the requirements of a pet travel insurance policy?
For your pet to travel abroad, you must fulfil the following requirements as stipulated by Pet Travel Scheme (PETS). The requirements must be carried out in the following order:

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.