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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.
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.
What can I do if I'm not happy with my pet insurance policy?: It is always best to make sure that you are happy with the cover offered by your pet insurance company before taking the policy out. Once you have taken out cover you have 14 days to decide whether the policy meets your requirements – and you should read your policy details quickly when you first receive them to make sure the policy is right for you.
What is the difference between Market Value, Sum Insured and Purchase Price?: Understanding this terminology will make it easier for you when insuring your horse and also when making a claim:
Are there any time limits on when I can make a claim for the death of my horse?: The general rule is that your insurance company will pay the market value of your horse if it dies or is humanely destroyed within 12 months of the date of first clinical signs of injury or illness.

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.

For example, you won't be able to get instant cover if:

your dog has a tendency to be vicious
your dog is used or connected in any way with a trade or business or you take the dog to work with you
there has been a claim or complaint involving your dog made in the last 5 years

You will also not be able to get help with claims related to:

an illness or injury that showed clinical signs before your application was received and accepted
an illness that started showing clinical signs in the first 14 days after your application was received and accepted

If you are transferring cover from another company or your pet is less than 8 weeks of age - you can arrange your cover in advance, normally up to 3 months ahead. fore your application was received and accepted an illness that started showing clinical signs in the first 14 days after your application was received and accepted If you are transferring cover from another company or your pet is less than 8 weeks of age - you can arrange your cover in advance, normally up to 3 months ahead.