Hot Topics

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.
Are hereditary and/or congenital conditions covered by the pet insurance policy?
Hereditary and congenital conditions are covered under the policy providing that you were unaware of your pet's condition at the time you took out the policy
What if I lose my pet by theft or straying?
If you lose your pet by theft or straying, you will need to complete a claim form and send it to your insurance company along with the following original documents:
Am I covered for boarding fees?
Most standard pet insurance policies will cover you in this instance. If you are hospitalised and cannot be at home to look after your pet, you will be covered for the cost of boarding your pet at a licensed kennel. Alternatively your insurance company will contribute towards the cost of homecare with a friend if you are hospitalised for more than 4 days.
What if my horse dies under anaesthesia?
Your horse dying under anaesthesia is not a general inclusion in a basic horse insurance policy.

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.