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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:
- Can I have more than one pet on one policy?
- You can have more than one pet on your pet insurance policy – but normally the restriction is that the pets must be of the same type. This means that you cannot have a mixture of cats and dogs on the same policy although you can have any number of cats or any number of dogs on the same policy.
- Am I covered for boarding fees?
- Most standard pet insurance policies will cover you in this instance. If you are hospitalised and cannot be at home to look after your pet, you will be covered for the cost of boarding your pet at a licensed kennel. Alternatively your insurance company will contribute towards the cost of homecare with a friend if you are hospitalised for more than 4 days.
- 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.
- 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.
What do I do when my pet dies?
You are covered if your pet dies from accident or illness - although you are not covered if your pet dies from old age.
When your pet dies you will need to complete the claim form and send it to your insurance company, along with a death certificate from your vet, the pedigree certificate and receipt from when you bought your pet. You will then be given a cheque for the original cost of your pet.
If your pet dies while you are abroad on holiday, you will be covered for holiday cancellation costs if you wish to return immediately.
If your pet dies while abroad with you on holiday, you will need pet travel insurance to cover the costs of either disposal, or repatriation. You will also be covered for holiday cancellation costs.