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 if my pet has a pre-existing medical condition?: As with a human medical insurance polices, pet insurance does not provide cover for any conditions or symptoms that your pet suffered from prior to taking out the policy and before cover is in place.
If I don't make any claims on my pet insurance policy will I get a discount?: There is no such thing as a no claims discount in pet insurance. This is because having a no claims discount can discourage people from taking their pet to the vet and claiming for necessary treatment just to save money on their premium.
Why insure your horse?: After your home and car, a horse will probably be the most expensive purchase you'll ever make – that's why it makes good sense to protect your investment.
Will the insurance company want to see the body?: Never dispose of the body until you know that the insurance company is happy to settle your claim.

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.

If you have Cover for life - the insurance policy will continue to cover vet fees for illnesses and injuries that your pet develops for life, as long as you renew your policy each year.

If you have Maximum payout - you will be covered for all treatment up to the maximum amount allowed for the condition. After that amount has been reached, you will have to cover the costs yourself.

If you have Maximum time and payout - you can only claim for a maximum time of 12 months. If you only have this type of cover then you will have to cover all costs for the chronic condition yourself after 12 months.

If you would like to cover yourself against the risk of your pet developing a chronic condition, you would be advised to opt for the Cover for life insurance option.