Hot Topics

What is not covered by my pet insurance policy?
There are a number of situations in which your pet will not be covered by a pet insurance policy.
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.
What if my pet develops a chronic medical condition while insured?
If your pet develops a chronic condition while insured, then you may be covered, depending on which type of pet insurance policy you have.
Can I insure my horse for more than the Market Value?
You can't normally insure your horse for more than its market value.
Do I need to get the insurance company's agreement before my horse is destroyed?
There are some very strict guidelines that all vets have been issued by their governing body, the British Equine Veterinary Association and a statement issued by BEVA in July 1996, with regard to the destruction of horses.

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.

Exactly as it works with car insurance - do not try and sort out the problem yourself. Send the claim form together with all correspondence, writs, summons or any other legal documents to your pet insurance company. You must not have answered any of these documents.