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- 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.
- 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.
- 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.
- What if I lose my pet by theft or straying?
- If you lose your pet by theft or straying, you will need to complete a claim form and send it to your insurance company along with the following original documents:
- What is the difference between Market Value, Sum Insured and Purchase Price?
- Understanding this terminology will make it easier for you when insuring your horse and also when making a claim:
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:
- Have your pet micro-chipped - before any of the other procedures for PETS are carried out, you must organise for your pet to be fitted with a microchip so that it can be properly identified.
- Have your pet vaccinated - your pet must be vaccinated against rabies.
- Arrange a blood test - the blood test is to ensure that the vaccine has given your pet a satisfactory level of protection against rabies.
- Get a PETS certificate - once you have completed the above, you can get an official PETS certificate from a government authorised vet. The certificate will become valid six months after the date your pet was blood sampled, and will continue to be valid until your pet's rabies vaccination booster is due. Certificates issued in rabies-free islands and some island authorities may issue certificates which are valid for only one trip to the UK. Vets in these islands will be able to advise you further.
- When travelling from outside the UK to the UK - your pet must be treated against ticks and tapeworms between 24- 48 hours before you check in for your journey to the UK. This can be carried out by any qualified vet, and they will issue an official certificate of treatment. If you are only going abroad for a day trip, and are then returning to UK, you can have the test carried out before you leave the UK.
- Sign a declaration of residency - you will need to sign a declaration which confirms your pet has not been outside any of the PETS qualifying countries in the previous six months.
Method of travel - make sure that you are travelling by a valid method as recognised by MAFF/DEFRA. If you are unsure, refer to their website for more information https://www.defra.gov.uk/animal/quarantine/index.htm