Pet Insurance FAQ's for Dogs, Cats and Horses

Frequently Asked Questions related to the above topic.
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• What are the principles of pet insurance?

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  Are there different levels of cover for pet insurance?

  Levels of cover for pet insurance are usually put into three sections:

  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.

  What is a select breed dog?

  There are a number of ‘select breeds' which are identified by pet insurance companies as breeds which incite higher veterinary costs than other breeds, in the same way that some dogs cost more to feed. Therefore if you have what is considered to be a select breed dog, your insurance will incur a supplementary insurance premium.

  Can I insure a pet of any age?

  Most pets can be insured from 8 weeks of age right up to their 8th birthday – although if you have a select breed dog you must insure your pet by their 5th birthday. Once insured, cover will continue for your pet's lifetime as long as you renew your policy each year.

  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:

  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