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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.
Are hereditary and/or congenital conditions covered by the pet insurance policy?
Hereditary and congenital conditions are covered under the policy providing that you were unaware of your pet's condition at the time you took out the policy
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.
How do I make a claim with pet travel insurance?
You will need to send a claim form completed by you and your vet together with the invoice for your travel booking, as issued by the travel agent, tour operator or other holiday sales organisation. You will also need to attach any receipts or documents that are relevant to your claim type, in support of your claim application.
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 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.

These include treatment for any pre-existing symptoms or conditions, any illness or disease that arises within the first 14 days of cover, and preventative or routine treatment such as flea treatment, neutering and vaccination. Your pet will also not be covered for behavioural problems, pregnancy, food and dental treatment, unless due to accidental external injury.

These situations are not covered because they are considered to be expected costs of pet ownership. In many cases they can also be prevented by good pet care, or would be used by only a few policyholders to the detriment of all, producing higher premiums for everyone.