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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 are the excesses of my pet insurance policy and when do they apply?: The excess is the part of the claim you must pay and when you sign up to the pet insurance policy you will be made clearly aware of how much excess you will be expected to pay.
Why do my pet insurance premiums go up each year?: Insurance companies consider a number of factors when rating pet insurance premiums in order to provide an accurate premium according to individual circumstances and risk.
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.
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.

Which animals can be covered?

You can cover dogs, cats and horses with the pet insurance policies offered through this website.

Horse insurance is completely different from normal pet insurance, as the costs involved are a lot higher, and many more incidents can occur with a horse than other pets, especially involving personal accidents to both horse and rider. You will need a specialist horse or equine insurance policy to cover your horse.

If you require pet insurance for a pet not included on the list above then we suggest you do a wider search on the internet, or call some of the regular pet insurance companies to see if they will allow you to insure your pet.