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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:
Do I need a special pet insurance policy for a horse?
Horses require a different form of insurance which allows you to protect yourself against the unexpected consequences of owning a horse or pony.
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.
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.
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 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.