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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.
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:
What does pet insurance cover?: Standard pet insurance policies provide cover for:
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.
Can I insure my horse for more than the Market Value?: You can't normally insure your horse for more than its market value.

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.