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 […]
Will I have to make a coinsurance payment (Co-payment) towards the cost of a claim?
If you have included the 20% co-payment option on your policy then this will be deducted from the final settlement value of each claim you make. For example, let’s say you have a policy with a £125 compulsory excess alongside a 20% co-payment and you are submitting a claim for a £1,000 vet bill. You […]
Why do I need to provide my pet’s medical history when claiming?
A medical history provides us with all the important information required to assess your claim as efficiently as possible. This will give us a good understanding of your pets health, the claimed condition, treatments and required medications.
Will claiming affect my premium?
Claiming will not affect your premium for your current policy term, however we will review your cover each year before offering to renew your policy. This means that we may change the terms and conditions of your cover, your premium, or not offer to renew your policy based on: The information you have provided to […]
When do I need to make a claim by?
Your claim should be notified to us within 60 days of any incident or treatment. You should then submit all information and documentation as quickly as you can so that we can process your claim. We will not pay any claims for vet bills that are 12 months old or older when they are sent […]
When am I expected to pay my excess and/or co-payment when making a claim?
Any applicable excess and/or co-payment will be deducted from the claim settlement amount paid to either you or your vet for accepted claims.