Frequently Asked Questions

Most pet insurance policies have a minimum and maximum age for cats and dogs to be eligible for cover. This age limit is typically 8 weeks up to a maximum of 11 years but this figure can vary between insurers. Read more about pet insurance age limits.

With some pet insurance providers, you will receive a discount should you insure more than one pet on your policy. Read more about multiple pet insurance.

Some insurance policies will cover your pet for upto a certain monetary amount if it goes missing. These policies may also partially or fully reimburse costs associated with advertising for a missing or stolen pet. Read all about lost or stolen pets.

A policy excess is the part that you pay when you make a claim. The actual amount will vary based on your choice of pet insurer; although a standard excess fee will apply for veterinary fee and third party liability claims. A voluntary excess can also be added to the compulsory excess. This will help reduce your overall insurance premium for the year.

Some insurers allow payments to be made directly to the vet carrying out the treatment of your pet provided the vet agrees with this arrangement. Others will require that you make the initial payment to the vet and then make a claim from the insurance provider with the necessary receipts.

One of the best things about the internet is that it allows insurance providers to cut costs and offer these cuts back to the consumer as savings. As a result, many insurance policies will offer you a 5 – 10% discount for buying your policy online.

If for any unforeseen circumstance, you need to be away from your pet, i.e. you are away on business, you are attending to a family related problem or you are hospitalised, then some policies will include an option to claim for the partial or whole costs of putting your pet into temporary accommodation in light of an emergency. Read more information about emergency board cover.