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?

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  Which animals can be covered?

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

  Do I pay the vet and you reimburse me, or can payment be made to the vet directly?

  Before your allow your pet to be treated, you must ensure that the vet is prepared to complete the relevant sections of the insurance claim form and provide invoices.

  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 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.

  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.

  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