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Pet insurance FAQs

Are you considering insurance for your pet? It's difficult to underestimate the importance of a good insurance policy. Around 80% of older pets are treated for an illness or injury every year, and veterinary fees are currently rising faster than inflation. To help you make a more informed decision, we've compiled a list of pet insurance FAQs.

Pet insurance FAQs

What is pet insurance?

Pet insurance is a form of insurance that covers the financial expense associated with vet's bills if your pet becomes ill or has an accident.

What are the main types of pet insurance?

The main types of pet insurance are:

Life long cover: This type of cover is renewed annually. It will cover both short and long term illnesses, but it is a more expensive type of policy. Some insurers will increase the premiums for older pets.

Individual condition cover: This is a less expensive form of pet insurance, but it should cover most short and medium term illnesses. However, long term veterinary treatment for a particular illness or accident is usually not covered.

Annual cover: This is a policy that will cover a condition for twelve months from the onset of the condition. Medium and long term illnesses will not be covered, but premiums are cheaper.

Can I insure my pet at any age?

Most policies offer coverage from the age of eight weeks. Some policies stop offering coverage at the age of eight years - check your policy's terms and conditions for more details.

Are hereditary health conditions covered?

This varies from policy to policy, but many hereditary conditions are excluded from standard policies.

Do I need to pay the vet directly or will my insurer pay them?

Most modern insurers will now offer to pay vet fees directly. If this is the case, your vet will ask you to fill out a simple form and you will make the claim directly to the insurer.

Got a question that isn't covered by out pet insurance FAQs? Contact your provider for details.

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