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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 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.
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
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.
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.

Although it is only natural to want to dispose of the body of a horse after it has died or been destroyed, your insurance company will need to know the exact cause of death and this may involve a post-mortem examination. If your horse has died and you are making a claim, contact your insurer immediately to confirm whether a post-mortem report is needed. If so, you can arrange for your vet to examine the body as soon as possible.

If you dispose of the body of a horse before obtaining a post-mortem report your insurer may refuse to settle the claim.