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Frequently Asked Questions On Pet Insurance

December 21, 2015

Get the answers to FAQs on pet insurance policies, then compare quotes to find the right deal for you.

Is pet insurance necessary?

Many pet owners see their pets as an integral part of the family and are keen to insure them against illness or accident.

Pet insurance can provide cover in case your pet dies, is lost or stolen, attacked a third party or damaged property. You can get more details by reading our beginners’ guide to pet insurance.

Does pet insurance only cover dogs and cats?

Insurance for pets can cover all kinds of animals, including dogs and cats.

Are different pet insurance policies identical?

Not at all. There is a variety of policy options for pets on the market. The four main ones you will find are: accident only, time limited, maximum benefit and lifetime. You can select the most appropriate one for you according to the needs of your pet and your budget.

What does co-insurance mean?

When a policy contains a co-insurance it means that if you make a claim you will be charged a percentage of the outstanding veterinary fees after the excess has been deducted.

Does it make a difference what age my pet is?

If you have an older animal, your premiums are likely to be higher; however cover should be available for all ages of pets. If you are looking to take out pet insurance on a puppy or a kitten insurance usually begins when your pet is six-to-eight weeks old.

What if my pet has a previous medical condition?

A previous illness may not be covered when you take out a new policy and it’s best to check. Make sure your pet has the appropriate vaccinations too.

Will it cost me more to insure a pedigree pet?

Pedigree animals often carry an increased premium as their value is higher. With more intensive breeding, they can suffer more from genetic disorders.

What does third party liability insurance mean for dogs?

If your dog causes accidental injury or damage to someone’s property you can be covered by third party liability insurance. This type of insurance can also help with legal bills should you be required to defend yourself in a Court case involving your dog.

Do I have to microchip my pet?

Microchipping your pet is a recommended procedure and can offer many benefits to both owner and animal; it may help you secure a lower premium too. Microchipping can be done for all kinds of pets, including ferrets, rabbits and other small mammals.

Is there anything else I should think about with pet insurance?

It’s always recommended you read through your policy Terms & Conditions. Check carefully to make sure you understand what your policy covers, such as:

  • Travel and holiday cover
  • Veterinary fees
  • Kennel and cattery fees
  • Cremation costs
  • Cover for missing pets
  • Dental cover
  • Cover for alternative therapies

For answers to any further questions, see our pet insurance guides.

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