Pet Insurance FAQ's for Dogs, Cats and Horses

Frequently Asked Questions related to the above topic.
Click below if you wish to read them: -

• What are the principles of pet insurance?

• Hot Topics

  How does Third Party Liability work?

  Third party liability is only usually included in your pet insurance policy if you have a dog, although some policies will cover cats too. It means that if your pet causes damage to a third party, whether it involves property, another person or another pet, the pet insurance will cover the costs.

  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 if my pet develops a chronic medical condition while insured?

  If your pet develops a chronic condition while insured, then you may be covered, depending on which type of pet insurance policy you have.

  How do I make a claim with pet travel insurance?

  You will need to send a claim form completed by you and your vet together with the invoice for your travel booking, as issued by the travel agent, tour operator or other holiday sales organisation. You will also need to attach any receipts or documents that are relevant to your claim type, in support of your claim application.

  Do I need to get the insurance company's agreement before my horse is destroyed?

  There are some very strict guidelines that all vets have been issued by their governing body, the British Equine Veterinary Association and a statement issued by BEVA in July 1996, with regard to the destruction of horses.

  Are there different levels of cover for pet insurance?
• Which animals can be covered?
• Do I need a special pet insurance policy for a horse?
• What does pet insurance cover?
• What is not covered by my pet insurance policy?
• What is the maximum payout per year?
• When can my Pet Insurance cover start?
• How does Third Party Liability work?
• What is a select breed dog?
• Am I covered if my dog causes an accident?
• What are the excesses of my pet insurance policy and when do they apply?
• Can I have more than one pet on one policy?
• What if my pet has a pre-existing medical condition?
• Are hereditary and/or congenital conditions covered by the pet insurance policy?
• What if my pet develops a chronic medical condition while insured?
• How long does it take to settle a pet insurance policy claim?
• Do I pay the vet and you reimburse me, or can payment be made to the vet directly?
• If I don't make any claims on my pet insurance policy will I get a discount?
• How can I pay my premiums?
• Why do my pet insurance premiums go up each year?
• Can I insure a pet of any age?
• Are alternative medicines covered?
• What do I do when my pet dies?
• What if I lose my pet by theft or straying?
• Am I covered for boarding fees?
• Am I covered for a holiday cancellation?
• What does pet travel insurance cover?
• What are the requirements of a pet travel insurance policy?
• How do I make a claim with pet travel insurance?
• What can I do if I'm not happy with my pet insurance policy?

FAQ's for Horse Insurance

• Why insure your horse?
• What cover do I need for my horse?
• What is the difference between Market Value, Sum Insured and Purchase Price?
• Can I insure my horse for more than the Market Value?
• Is my horse too old or too young to insure?
• Do I need to get the insurance company's agreement before my horse is destroyed?
• Are there any time limits on when I can make a claim for the death of my horse?
• What if my horse dies under anaesthesia?
• Will the insurance company want to see the body?
• Glossary of horse insurance terms