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?

• Hot Topics

  When can my pet insurance cover start?

  Cover will usually start as soon as your application is received and accepted, however there many well be some exclusions.

  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.

  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 are the requirements of a pet travel insurance policy?

  For your pet to travel abroad, you must fulfil the following requirements as stipulated by Pet Travel Scheme (PETS). The requirements must be carried out in the following order:

  Is my horse too old or too young to insure?

  All companies differ with regard to the age of horses and ponies they will insure – so the only way to find out is to speak to each one individually.

  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