Frequently Asked Questions
What you need to know about Pet Insurance.
1. Why should I invest in Pet Insurance?
Unfortunately animals are as susceptible to illness and injuries as humans. Having pet insurance cover will give you peace of mind knowing that if your animal falls sick, is stolen or needs a kennel whilst you are ill in hospital, you have any sudden costs covered. A pet insurance plan could save you hundreds of pounds by covering vet fees, kennels charges or a safe return reward. We always hope that the worst won’t happen to our loving animals but it is best to be prepared to spare further heartache and financial strife should your cat, dog or rabbit fall ill. Our advice is to compare different insurance providers and see what works for you. Note that there may be different pet insurance policies for different animals.
2. How much will pet insurance cost?
Pet insurance prices will vary dependent on the coverage you require and the type of animal you intend to care for. Our advice is to research several pet insurance quotes and find out what the best pet insurance plan is for you and your animal. Cats can be covered from as little as £3.71 a month and dogs from around £8.00. Our selected insurers will offer you affordable coverage that will help protect you from financial stress should your pet fall ill. You can research pet insurance online and select the best deal for you and your family.
3. What will pet insurance cover?
The best pet insurance will cover most pet care costs, from injuries such as fractures and breaks to illnesses like cancer and pneumonia. Many insurers will also cover costs should you fall ill and your pet needs care. You want to purchase pet insurance knowing that should the worst happen to your beloved animal, you are 100% covered for those high vet fees. Coverage will vary dependent on the insurer so make sure when you research pet insurance quotes that you are getting the best cover for you and your family. See our top tips for selecting the best uk pet insurance.
4. Is there different pet insurance for different types of animals?
Yes pet insurance cover will depend on your type of animal. Age, gender, breed and where you live are all factors that may be taken into account when you are researching the best pet insurance for you and your family.
5. Will pet insurance cover exotic animals?
Vet fees for exotic pets such as birds and reptiles can be very high so it makes sense to purchase pet insurance and spread the cost of animal care. Pet insurance differs for different animals and even different breeds but it is available for most animals. As you investigate pet insurance quotes enquire with providers to see what their best rates are when it comes to pet insurance for exotic animals. Our online partner merchants will be able to assist you with your questions regarding exotic pets.
6. Can I insure a pet of any age?
Most pet insurance plans start from when your pet is 6 – 8 weeks of age. Many policies will protect animals of any age as long as payments are kept up to date but some will exclude pets over a certain age, often 8 years for dogs and 11 for cats. Please note that insurance plans may vary dependent on the type of animal. When researching pet insurance quotes be sure to ask the provider about their age policies as some will be different from others.
7. If my pet has a pre-existing illness will he/she still be covered by Pet Insurance?
This may vary with different pet insurance providers so it is very important to check this as you choose the best pet insurance plan for you and your animal. Make sure that any exclusion from cover is clearly stated on your certificate of insurance. Although your pet’s medical history is not likely to affect your premium, it is likely that any illnesses and injuries experienced before you start your cover will not be covered by your pet insurance plan.
8. If I purchase Pet Insurance, how quickly will my pet be covered?
It is important to check this with your provider when choosing your pet insurance plan as it may vary. Coverage for injury usually starts immediately whereas cover for sickness may not begin until a few days later. Make sure you are absolutely clear about this when researching pet insurance quotes and go for the best pet insurance plan for you and your pet.
9. Is there anything a Pet Insurance Plan won’t cover?
The best pet insurance will cover most events however there may well be exemptions which you must be clear about when buying your pet insurance plan. Sometimes routine examinations will not fall under coverage nor will dental treatment unless it is the result of an accident. Pre-existing medical conditions may be exempt. As you contact insurers for pet insurance quotes, enquire about any exclusions.
10. Is my pet covered even if I am abroad?
This will depend on your individual pet insurance cover and is something you must be clear about before you purchase any plan. As you reseach your pet insurance online, check with providers about their travel policies. It is likely that your pet will still be covered by your pet insurance plan if you travel to Eire or a member country of the PETS Travel Scheme. Make sure you are informed about which countries this scheme applies to.