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What does pet insurance cover?
Standard pet insurance policies provide cover for:
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.
If I don't make any claims on my pet insurance policy will I get a discount?
There is no such thing as a no claims discount in pet insurance. This is because having a no claims discount can discourage people from taking their pet to the vet and claiming for necessary treatment just to save money on their premium.
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.
Will the insurance company want to see the body?
Never dispose of the body until you know that the insurance company is happy to settle your claim.

Will the insurance company want to see the body?

Never dispose of the body until you know that the insurance company is happy to settle your claim.

Although it is only natural to want to dispose of the body of a horse after it has died or been destroyed, your insurance company will need to know the exact cause of death and this may involve a post-mortem examination. If your horse has died and you are making a claim, contact your insurer immediately to confirm whether a post-mortem report is needed. If so, you can arrange for your vet to examine the body as soon as possible.

If you dispose of the body of a horse before obtaining a post-mortem report your insurer may refuse to settle the claim.