There are typically four main types:
– Lifetime Cover: Provides ongoing coverage for chronic conditions throughout your dog’s life, as long as you renew the policy.
– Maximum Benefit Cover: Offers a fixed amount of money per condition, which is then exhausted.
– Time-Limited Cover: Covers conditions for a set period (usually 12 months) from the onset of symptoms.
– Accident-Only Cover: Provides coverage solely for accidents, not illnesses.

Most policies cover veterinary fees for illnesses and injuries. This may include:
1. Surgery
2. Medications
3. Diagnostic tests (e.g., X-rays, blood tests)
4. Hospitalisation

Some policies may also include coverage for:
1. Dental care
2. Complementary therapies
3. Third-party liability
4. Euthanasia and cremation

Contact our team to find out more.

A pre-existing condition is any illness or injury your dog has experienced before the policy’s start date. Insurers often exclude these from coverage, or impose waiting periods. It’s crucial to disclose your dog’s medical history accurately.

The excess is the amount you pay towards a claim before the insurer covers the rest. A higher excess usually results in lower premiums, but means you’ll pay more upfront if you make a claim.

Premiums are influenced by several factors, including:
1. Your dog’s breed, age, and health
2. The level of coverage you choose
3. Your location
4. The excess amount

Lifetime cover is generally more expensive, but it offers continuous coverage for ongoing conditions. Time-limited cover provides coverage for a condition for a set period, after which it’s no longer covered.

Yes, you can insure older dogs, but premiums tend to be higher due to increased health risks. Some insurers may have age restrictions or offer limited coverage for senior dogs.

Consider:
1. Coverage levels and exclusions
2. The excess amount
3. The claim process
4. Customer reviews and reputation
5. Whether the policy has lifetime cover

The claim process varies between insurers, but typically involves submitting a claim form and providing your dog’s veterinary records. Some insurers allow direct claims with your vet.

Whether dog insurance is worth it depends on your individual circumstances. Consider your financial situation, your dog’s breed and health, and your risk tolerance. While it involves a regular expense, it can provide significant financial protection against unexpected veterinary bills, giving you peace of mind.

Generally, standard dog insurance policies primarily focus on unexpected illnesses and injuries. Routine check-ups, vaccinations, and preventative treatments are often excluded. However, some insurers offer optional wellness plans or add-ons that can cover these costs for an additional premium. Always check the policy details for specifics.

Yes, in most cases, you can change vets and your insurance will remain valid. However, it’s essential to inform your insurer of the change, particularly if they have a preferred network of vets. While you can usually use any registered vet, some insurers may offer preferential rates or direct claim options with their network partners.

Most standard UK dog insurance policies only provide coverage within the United Kingdom. If you’re planning to move abroad, you’ll need to look for international pet insurance. These policies can vary significantly in their coverage and geographical scope, so thorough research is crucial.

Yes, most insurers have waiting periods before your policy becomes fully active. This is to prevent fraudulent claims for pre-existing conditions. These waiting periods can vary, typically ranging from a few days for accident-only cover to several weeks for illness cover. It’s vital to understand these waiting periods before your policy starts.

You can usually cancel your dog insurance policy at any time. However, the refund policy will vary depending on the insurer and the terms of your contract. Some insurers may offer a pro-rata refund for the remaining period of the policy, while others may not provide any refund, especially if you’ve already made a claim. Always check the cancellation policy within your contract to understand the implications.