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What Pet Insurance can cover

Take care to choose the pet insurance policy that best suits your needs now and in the future. Most new policies won’t cover the cost of treating pre-existing medical conditions that your pet has, so choosing the most suitable insurance from the start helps ensure your pet will be covered.

Pet insurance policies will generally specify a maximum amount of money that they will pay out under each policy section.

Policies can include cover for:

  • Veterinary fees for the cost of diagnosing and treating illnesses and/or injuries. This normally includes the cost of consultations, examinations, tests, x-rays, MRI scans, medication, bandages, surgery, and hospitalisation. Also often included are alternative therapies like acupuncture, homeopathy and herbal remedies and complementary treatments such as physiotherapy, osteopathy, chiropractic and hydrotherapy.
  • Third party liability, if your pet injures someone or damages someone else’s property and you are legally responsible.
  • The purchase price of your pet if it is lost, stolen, or dies as a result of an injury or an illness before a specified age. Some insurance policies require payment of the full annual premium even if your pet dies part way through the year and you make a claim. If paid monthly, any unpaid instalments are deducted from the claim settlement.
  • Advertising costs to help find your lost or stolen pet and the cost of a reward if someone finds or recovers your pet.
  • Hospitalisation to cover the cost of looking after your pet if you have to go into hospital for emergency medical treatment.
  • Holiday cancellation for the cost of your holiday if it is cancelled because your pet needs emergency surgery close to the start of your holiday.
  • Overseas vet fees to pay for emergency veterinary treatment for your pet if you take it abroad under the Pet Travel Scheme.

Most pet insurance policies are yearly contracts and to obtain the full amount of cover, you may have to renew your policy each year.

The cover for veterinary fees is usually restricted to treatment received while the insurance is in force and there is not always a guarantee that the insurance provider will offer to renew your insurance.

We recommend that customers always check their Terms and Conditions as policies can differ from provider to provider.