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.
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 does pet insurance cover?
Standard pet insurance policies provide cover for:
Why insure your horse?
After your home and car, a horse will probably be the most expensive purchase you'll ever make – that's why it makes good sense to protect your investment.
What cover do I need for my horse?
Before you buy your insurance, make sure you know exactly what areas you want cover on by listing your main areas of concern should you find yourself needing to make a claim.

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.

Basically, whatever type of pet insurance policy you choose - i.e. Cover for life, maximum payout, or maximum payout and time, you will be subject to a maximum payout. However this amount is linked to separate conditions, so even though you can only claim for a certain amount on one condition, if your pet suffers from another type of illness or condition in the same year, you will still be able to make a claim.

Unless your pet has a very serious or rare complaint, you are unlikely to reach the maximum payout limit for the year.

Maximum payouts do not apply to third party liability claims - however you have to pay a larger excess with these types of claims, normally the first £250.