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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:
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 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.
How long does it take to settle a pet insurance policy claim?
Some claims are more straightforward than others – but you can expect simple claims to be settled within 10 working days.
How can I pay my premiums?
You can either pay by monthly direct debit or with an annual one-off payment.

Are alternative medicines covered?

If an alternative remedy is a viable option then you will be covered - although some insurers will only accept token amounts. Alternative medicines are more widely used in equine veterinary practices, in order to support physiotherapy and other long-term treatments.

Don't get any alternative medical treatments before asking your insurer if you are covered. Always ask first as if they do not cover alternative medicine, you will have to pay the charges yourself.

If you favour acupuncture, homoeopathy and other complementary treatments, it would be a good idea to ask insurers about this before you sign up for their policy. It will avoid future disappointment.