Insurance, Claims & Accidents

Pet insurance covers you against the costs that can be incurred through the medical treatment of your pet due to illness or accidents. The policy will provide financial support to ensure that you can afford the treatment and care that your pet may require, and insuring your pet can remove added stress and monetary strain if they are unwell or suffer an accident.

There are different policies to choose from with most providers offering a lifetime policy or a fixed time policy. Lifetime policies provide an unlimited time span of treatment whereas fixed time policies have a limit to the claim duration for each condition. The Financial Ombudsman regulates pet insurance and can be contacted regarding grievances with an insurance provider. You can also change your pet insurance provider, but will need to be aware that a new provider may have different conditions. If you change your insurance provider, check through the policy differences so that you know exactly what your new insurance covers.

You should always fill in a claim form when visiting your vet, even if the price is less than the excess on your policy. If it is a recurring condition, or requires additional treatment within the policy time, the original amount should already be discounted from the excess. It is important to read over your pet insurance conditions in detail so that you can ensure that you get the high level of support from your plan when it is needed.