How can I check what I am or am not covered for?
You can see what you are and are not covered for by reviewing our Policy Documents. You can also check your Policy Schedule by logging into My Account. This provides details of your excess, co-payment and inner limits applicable to the policy cover. Please ensure that you have also checked our full list of policy […]
Do you cover pre-existing conditions?
Our current policies and cover levels (Bronze, Silver, Gold, Prime, Premier and Premier Plus) do not cover pre-existing medical conditions. This means that we will not pay: This 14-day exclusion does not apply if your pet was insured for veterinary fee’s under another policy of insurance up to the start date (inception) of the first […]
Do you cover dental?
We do not provide cover for the cost of dental or gum treatment which is not directly resulting from an accident or injury. We also exclude routine, preventative or cosmetic procedures, including but not limited to scaling and polishing.
What is an inner limit and how do I know what my policy’s inner limits are?
An inner limit is a cap on certain specified items such as treatments, investigative procedures, medication, or specific conditions. This means that whilst there is an overall cover limit, there are certain things we will only pay a maximum amount for. Each type of cover level will vary in the maximum amount we provide, and […]
What is the difference between excess and co payment?
An excess is a compulsory contribution you are required to pay towards the cost of your pets treatment you are claiming for and applies to each separate illness or injury (condition), per policy year. If your claim is accepted, the excess will be deducted from any settlement amount we pay to either you or your […]
Is there a waiting period before my pet is covered?
No, we don’t have a waiting period for accidents or injuries.
What pets and breeds aren’t covered?
Our policies are designed to provide cover for domestic cats and dogs. That means we don’t cover any pet used for trade, profession or business or any type of pet used for guarding, racing, coursing or beating. We also exclude any pet used for breeding. There are also a number of specific breeds that we […]
What is an Accident Only policy?
Our accident only pet insurance (Bronze) provides a fixed sum of money for each accidental injury to help pay for your pet’s treatment. It is the cheapest type of pet insurance policy but excludes cover for illness. Learn more … You can choose the plan that suits you best by comparing all our policies here.
Is my pet covered straight away?
Any new illnesses starting within the first 14 days of your policy are not covered. This is called a waiting period. However, if you switch your cover from another insurer we won’t enforce a waiting period and you will be able to claim for illness starting in the first 14 days. If you make a […]
