Pet insurance explained (2022)

What is pet insurance?

Pet insurance helps you cover the cost of veterinary treatment if your pet falls ill or gets injured. Pet insurance providers will also usuallypay out if your pet dies, is lost or stolen, harms someone or damages property.

Which? has analysed scores of cat insurance and dog insurance policies, and thousands of pet insurance policyholders have rated the customer service of the biggest insurers.

We've also got a guide on how to findcheap pet insurance.

This guide explains how pet insurance works, what to watch out for and what's excluded from pet insurance policies.

Pet insurance explained (1)

What does pet insurance cover?

Pet insurance covers the cost of vet fees and certain medical expenses. Vet fee cover can range from as littleas £1,000to as much as £15,000.

In addition to vet fee cover, most pet insurance policies cover the following:

Death by accident or illness

If your pet dies you can get back the cost of what you paid for it or what it could sell for.

Most pet insurance policies have an age limit - typically of eight to eleven years for a cat and five to nine years for a dog - after which insurers will not pay out, or you'll have to make a contribution to costs.

Missing pet cover

Most pet insurance cover contributes tocosts of putting up posters and paying a reward if your pet goes missing.

Third-party liability

If you have a dog, your pet insurance policy should pay out if your dog injures someone or damages their property.

This covers legal costs, expenses and the claimant’s expenses.

Overseas travel cover

Most pet insurance policies will provide cover if your pet falls ill, is involved in an accident, or needs veterinary treatment when abroad. Many insurers also offer cover forlost travel and accommodation costsif you'reforcedto cancel a holiday because your pet becomes life-threateningly ill when you're due to leave.

Cattery and kennel fees

If you are hospitalised and there is no one else to look after your pet,pet insurance providers will usually pay out for your pet to be put in a cattery or a kennel. You usually have to be in hospital for at least two to four consecutive days.

Euthanasia, cremation and burial

Your policy may contain cover for the costsof your pet being put to sleep,cremation of burial.

Dental cover

Most pet insurers offer cover if your pet needs dental work. Some policies will only cover dental treatment resulting from an injury- and won't pay for dental costs related to illness. Those that do usually make the cover contingent on your pet receivingdental check-ups once a year.

  • Find out more: Finding cheap pet insurance

What is excluded from pet insurance policies?

The following are some of the common exclusions from pet insurance policies. Be sure to read the terms and conditions of your policy carefully to make sure that you have the cover you need.

Pre-existing illness or injury

A pre-existing medical condition is one which existed prior to you taking out your pet insurance policy. They fall into two categories:

  • Chronic conditions: theseare ongoing problems your pet has at the time you take out your policy, egheart conditions or hip dysplasia
  • Historic conditions: these are illnesses or injuries that your pet no longer suffers from, eghealed tissue injuries or illnesses.

Most pet insurance providers exclude pre-existing conditions from any new cover - although in some cases these may be covered if your pet hasn't required treatmentfor these conditions for a certain period of time (for instance twoyears).

Waiting period

Most pet insurance providers do not cover illnesses that begin within the first 10-14 days of your pet insurance policy. A few will waive this if you are switching to them from another insurer - so you don't have a 'gap' in your cover.

(Video) Pet Insurance Terms Explained

Routine and preventative treatment

Treatments such as vaccinations, spaying, castration, flea, worm and tick treatments, grooming, claw clipping and teeth maintenance are often excluded from pet insurance cover.

Pregnancy and giving birth

Pet insurance policies may excludeexpenses that arise due to pregnancy, giving birth and treatment of any offspring.

  • Find out more: Cat insurance reviews and Dog insurance reviews.

What are the main types of pet insurance?

Lifetime cover pet insurance

Lifetime policies are the most popular and the most comprehensive type of pet insurance. As the name suggests, they'll pay out indefinitely for treatment over your pet's lifetime - subject to annual limits.

Lifetime policiescan work in different ways. Annual policies pay up to a specified amount on vet fees each year - say £5,000.

So in any given year, the insurer, in this case, would pay up to£5,000.

Another type of lifetime policy is per condition per year cover. With this, you'd get an annual limit for each condition - for example £2,000 per year for claims related to your cat's diabetes.

Other lifetime policies do a bit of both - paying a limited annual amount (e.g. £10,000), with a smaller annual benefit within this for anysingle condition (e.g. £2,000). So using those figures, you could make up to five claimsof up to£2,000 in the year if your pet required treatment for five unconnected conditions - but you'd only get £2,000 towards a succession of costs involved in treating one illness.

With all types of policy, the higher the limit, the more expensive the premium. However, whatever this limit is, with a lifetime policy, you can rely on the insurer making an ongoing contribution towards the costs of your pet's conditions.

Non-lifetime cover pet insurance

Non-lifetime cover is less comprehensive and excludes certain conditions after you hit your claims limit.

There are two main types of non-lifetime insurance: per condition cover, and time-limit per condition cover.

Per condition pet insurancepays a limited amount for each condition and, once thatlimit has been reached, the insurer stops covering it.

For example, if your cat, Mittens, has an eye infection and your per condition cover limit is for eye infections is £5,000, once that limit is reached the insurer will no longer pay for claims related toeye infections, even afteryou renew your policy.

Time-limit per condition pet insurance cover will have both a monetary limit and time limit, typically of 12 months, before the condition is excluded.

Accident only pet insurance

Accident only pet insurance is the cheapest and most basic type of pet insurance. As the name suggests, it doesn't cover illnesses - only injuries.

Accident only policies provide a fixed sum of money for each accidental injury to help pay for your pet’s treatment, and will often also stop paying for the injury after twelve months.

  • Find out more: our reviews of individual pet insurance providers

Does pet insurance cover pre-existing medical conditions?

There are a small number of pet insurance companies that consider covering pre-existing conditions.

Some will cover historic conditions where your pet has been free of symptoms and treatment for a set period of time - usually around twoyears. Others provide limited amounts of cover initially - which increase the longer your pet has been free of the condition.

Others will potentially cover some pets' conditionsafter a medical screening process enabling them to understand the risk -in a similar way that health and travel insurers do.

We've noted which policies consider pre-existing conditions in our cat and dog insurance reviews.

Can older pets be insured?

Insurance companies typically treat cats and dogs over the age of eight years old as ‘older pets.’ For pets like rabbits, this decreases to around five years old and horses could be as high as 20 years old.

As your pet ages, they are more likely to fall ill or suffer an injury that could lead to a more expensive claim.

To cover this additional risk,pet insurers are likely to charge more to insure older pets than younger ones.

(Video) How Does Pet Insurance Work?

It is still possible to find competitive policies for older pets but it's important to shop around. Bear in mind the following:

  • If your pet has had any illness or veterinary treatment in the past, be sure to check whether any exclusions apply to the new policy so you understand what you're paying for.
  • Don't overlook the excess. Insurerstypically imposehigher excesses or 'co-payments' (or both), on older pets. A 'co-payment' is when the insurer won't pay a certain percentage of the claim's cost. For older pets, these can be as much as 25%.

Get a pet insurance quote with Confused.com

What are the alternatives to pet insurance?

There are a number of alternatives to pet insurance if you want to protect your pet. These include.

Self-insurance

Self-insuring your pet means saving a set amount of money to pay for potential vet bills.

With self-insurance, it’s really important to think about how much you can realistically afford to put aside and keep in a fund to protect your pet.

The risk of self-insuring is that you could run into veterinary costs that are higher than the amount you've saved.

For example, Hip dysplasia - where your pet needs both hips replaced - could cost around £7,000.

Charities and other help

If you can’t afford pet insurance the following groups offer free treatment to pets:

Help from these charities is means-tested and mainly helps people who are on a low income, retired or receive certain state benefits to get help towards the cost of veterinary care.

Pet insurance: your questions answered

Is pet insurance compulsory?

There is no legal requirement,in the UK, to have pet insurance.

Can I self-insure my pet?

It is possible to self-insure your pets if you don’t want to or cannot afford to pay forpet insurance.

Does my pet have to microchipped?

Microchipping your dog has been a legal requirement since April 6th 2016.

(Video) Pet Insurance: What it costs, what it covers, and how to find the best

You may be able to save money on your premium by microchipping your cat and other pets. Your vet will be able to provide more details about the procedure.

Find out more: how to find cheap pet insurance

Can I get insurance for a pedigree dog?

It is possible to get insurance for pedigree pets but the premium is likely to be higher than that of a cross breed.

Pedigree pets are considered a greater risk as they have a higher value and suffer from illnesses and injuries directly associated with their breed.

Pet insurers charge a higher premium for pedigree pets to reflect this increased level of risk for potential claims to be made under the policy.

Does pet insurance cover hip dysplasia?

If your pet has a chronic pre-existing condition such as hip dysplasia it is unlikely to be covered by your pet insurance company.

A few pet insurance companies may offercover for historic illnesses or injuries that your pet no longer suffers from, eghealed tissue injuries or illnesses.

What is pet insurance auto renewal?

Like many home and car insurers, most pet insurers automatically renew when you come to the end of a policy.

You will be given notice before you're signed up for a new policy, usually in the form of a letter. This letter should contain what you paid in the previous year.

Many insurers will notify you at least 21 days in advance to give you the chance to cancel.

Can I cancel my pet insurance policy if it accidentally auto-renews?

Yes.You have a 14-day cooling-off period once your policy has started and most insurers will let you cancel, only charging you for the cover you have used.

A number of pet insurers will also allow you to cancel later in the year, rebating you the unused portion of your premium (if you've paid annually).

(Video) Pet Insurance || is it worth getting pet insurance

How do I find cheaper cover at renewal?

Unlike car and home insurance, where switching or haggling are the key to finding the best rates, finding cheaper pet insurance is much more complicated.

Your chance of being able to beat your renewal quote depends on the age and general health of your pet. So be sure to shop around for the best deal that provides suitable cover at the time of taking out a new policy.

How long do I have to make a pet insurance claim?

It’s best to check how long you have to make a claim on pet insurance directly with your providers. Some insurers have a limit of 30 days.

Claims procedures differ between pet insurance providers but most insurers will probably require you to fill out a form and send it back to them.

You will also have to provide evidence of the claim so make sure you keep all the relevant receipts and invoices.

How will my pet's treatment be paid?

It’s best to check with your pet insurance provider as some companies will pay for your pet’s treatment directly and some will require you to pay and then claim the money back.

What happens if my pet insurance claim is rejected?

If you have exhausted the insurance company's complaints procedure (set out in your insurance policy) and your claim has not been settled, contact the Financial Ombudsman Service (FOS) on 0800 023 4567.

You usually have six months from the time you reach deadlock with the insurer in which to make a complaint.

The FOS' decision is binding on companies but not on the consumer, so you could, if you wish, refer the matter to court.

(Video) Pet Insurance Explained - GEICO Insurance

What ifI have another pet insurance question?

Which? members with pet insurance canget in touch with our experts on the Which? Money helpline.

FAQs

How does pet insurance work at vets? ›

Pet insurance doesn't pay your veterinarian directly. Instead, your provider will reimburse YOU for your veterinary costs after you pay your vet and submit a claim to the insurance company. This way, you don't have to worry about whether your vet takes a certain policy or not — you can use any veterinarian you like!

What is generally covered by pet insurance? ›

Policies can include cover for: Veterinary fees - The cost of diagnosing and treating illnesses and/or injuries. This is the core cover provided by pet insurance and normally includes the cost of consultations, examinations, tests, x-rays, MRI/CT scans, medication, bandages, surgery, and hospitalisation.

Is it worth getting a pet health plan? ›

If you take advantage of all the benefits of a Pet Health Plan, they can work out very good value and save you money. In comparison to if you were paying individually for vaccinations and veterinary licensed flea and worming treatments. Or having regular visits for nail clips and anal gland expressions.

What is a disadvantage of pet insurance? ›

You might still have out-of-pocket costs

Since a majority of policies only cover a percentage of eligible claims, you'll still pay for some of the bill. If you're not prepared and don't have emergency savings for this expense, you still might find yourself in the red. Also, most plans have a maximum benefit limit.

Is putting a dog to sleep covered by insurance? ›

In most cases, pet owners will need to pay copayments or deductibles. They pay for euthanasia if it's due to a covered expense but will not pay for burial or cremation.

Do you have to pay upfront if you have pet insurance? ›

However, most pet insurance companies require you to pay the vet bills first and then get reimbursed for the costs. If you don't have the money to pay for your pet's care upfront, covering the vet visit and waiting to be reimbursed can be a burden. Luckily, there are pet insurance companies that pay your vet directly.

Is medication covered by pet insurance? ›

Does pet insurance cover the cost of medication? Pet insurance should include the cost of tablets, drugs and bandages that are prescribed by a vet to treat an accident or illness your pet suffers. It's unlikely to pay for medication that is part of a routine treatment, for example worming tablets.

Will my pet insurance go up if I make a claim? ›

Will my pet insurance costs go up if I make a claim? More than likely, yes. Your insurance provider may take the view that if you've made one claim, you're more likely to make another – bumping up your premiums as a result. The same is true if you've had to claim for accidents or for losing your pet.

Can you cancel pet insurance at any time? ›

Yes, you can cancel your pet insurance policy at any time.

However, you can't simply stop paying the monthly premiums; you will need to contact your pet insurance provider first.

Can you write off vet bills on taxes? ›

Yes, pet medical expenses are tax-deductible for pets that are classified as service animals or working animals. You might also be able to claim vet bills on taxes for pets you foster, provided that the nonprofit organization you work for is registered with the IRS and has not reimbursed you for the service.

Does pet insurance Cover flea and worm treatment? ›

It comes as a surprise to some people, but most routine treatments cannot be claimed on your insurance. Grooming, vaccinations, flea treatments, wormers, nail clipping, bathing or de-matting, spaying or castration all are excluded from most policies.

Does cat insurance cover vaccinations? ›

Does pet insurance cover vaccinations? Vaccinations are not covered by pet insurance. Neither is spaying or neutering. But, having all your animal's vaccinations up to date could mean lower insurance premiums.

What are the advantages of pet insurance? ›

Pet insurance mainly provides cover for veterinary fees if your pet is injured or becomes ill and is a sensible approach to making sure this does not become a concern. It can give you peace of mind that you are in a position to afford all the veterinary care that your pet may need.

What is primary diagnosis allowance? ›

Primary Diagnosis or Condition: This term appears on your schedule of benefits and refers to the financial limit that the company places on a primary diagnosis or condition, which includes injections, hospitalization, exams, surgery, and treatment.

What are the benefits of health insurance? ›

A health insurance plan can be a solution to deal with the rising medical costs. It provides financial security by covering the costs related to treatment, hospitalisation, free health check-up, and pre and post hospitalisation expenses. Also, you can get tax relief on the premium under Section 80D.

What to do if dog dies at home at night? ›

Obtain a blanket, towel, or bed sheet that is large enough to wrap around the body. Also, get a heavy-duty plastic trash bag (double them up if the body is very large or if the bags are thin). Arrange the body on the blanket, towel, or sheet. Place the body on its side in a curled-up position, as if sleeping.

When should a dog be put down? ›

Some common signs that it may be time to put your pup down include the inability or refusal to eat or drink, labored breathing, an inability to get up for potty times without help, urinary or fecal incontinence, and immobility. Essentially, this can come down to your dog's quality of life.

How do pet insurance know about pre-existing conditions? ›

Pet Insurance companies do require medical records in order to enroll any pet in a policy. These companies employ teams of veterinary specialists that are trained to review your pet's medical records in order to determine if your pet has any pre-existing medical conditions.

Can pet insurance be used anywhere? ›

With pet insurance, you can typically use any licensed vet, including specialty and emergency clinics. There are no networks or co-pays; instead, you'll submit your eligible expenses as a claim after your vet visit.

What does Direct pay mean for pet insurance? ›

In direct pay, the pet insurance company pays the vet directly. So, as a pet owner, all you'll have to do is pay the excess at the time of service. If you're wondering what excess means, it's pretty simple. Excess is an amount of money that you agree with your insurance company to pay upfront.

What is pet insurance deductible mean? ›

A deductible is the portion of the veterinary bill you're responsible for before the 90% coverage starts. Depending on your pet's medical condition and your chosen deductible amount, deductibles can be paid all at once or chipped away at over time.

Does PetPlan cover death? ›

The team will be able to help you complete any open claims or submit claims for any treatment your pet was undergoing. You may also be eligible to receive a death benefit within your policy. If this is the case, the benefit will automatically be transferred to you upon notification of your pet's passing.

What does vet fees per condition mean? ›

Per Condition policies are also known as Benefit Limited or Maximum Benefit policies. These policies impose a maximum benefit per condition. So, if your pet develops an ongoing illness such as diabetes or dermatitis, once that maximum is reached, that condition will then be excluded from further claims.

Is an ear infection a pre-existing condition? ›

Ear infections are considered curable pre-existing conditions though, so depending on your insurance company's policy it may be covered in the future, after enough time has passed (typically a year after).

Why do male dogs cost more to insure? ›

Your dog's gender affects insurance costs as well. Most insurance companies will cost you more if you have a male dog – this is because male dogs are more likely to get injured or into fights, causing pay outs. Female dogs can also recover better from disease than males, which can reduce their insurance costs.

Is PetPlan expensive? ›

PetPlan aren't cheap. In fact, they're among the most expensive pet insurers. How much you'll pay depends on; Your pets breeds.

Can I insurance my dog twice? ›

Key Takeaways

Insuring your pet twice is perfectly legal, as long as you don't claim for the same thing with both pet insurance companies. However, having more than one pet insurance policy isn't recommended. Not only will you have to pay for two policies but you could also face problems if you need to make a claim.

Can I cancel monthly pet insurance? ›

You can cancel pet insurance at any time. Insurance companies usually ask that you call them to cancel your policy. You can do this at any time, but bear in mind that if you cancel before your policy is due for renewal you may be liable to pay the premiums for the remainder of your current period of insurance.

What does in force mean for insurance? ›

In-Force Business — the total dollar amount of paid-up and current insurance policies that a life or health insurer carries on its books. A life insurance company's in-force business is the aggregate of all policy face values in its portfolio. A health insurance company's in-force business is its total premium volume.

What is annual deductible? ›

Here's what it actually means: Your annual deductible is typically the amount of money that you, as a member, pay out of pocket each year for allowed amounts for covered medical care before your health plan begins to pay. This excludes certain preventive services that may be automatically covered.

Is a dog a tax write off? ›

Dog expenses are ordinarily personal expenses that are not tax deductible. However, there are some instances where Fido can save you dough on your taxes.

How can I claim my dog on my taxes? ›

You will need proof in the form of a doctor's prescription indicating that the pet is a medical necessity before you can claim the deduction. You must possess documentation that supports the fact that your pet is certified or trained as treatment for the specific illness.

Can you claim pets on taxes 2022? ›

Can you deduct pet expenses in your 2022 tax return? In certain situations, you can deduct some expenses related to pets, but only if the pet is a service animal, a working animal or a performance animal.

Does my dog have to be vaccinated to be insured? ›

Most pet insurers require pets to be vaccinated against distemper, hepatitis, leptospirosis and parvovirus for dogs and feline infectious enteritis, feline leukaemia and cat flu for cats.

Do you have to flea your dog every month? ›

You should de-flea and worm your pet once a month. Not only will this prevent them from experiencing the side effects of either condition, but it'll allow your pet to be completely protected and free from suffering.

Does petplan cover arthritis medication? ›

Covered For Life

A lifetime policy will cover your pet's injuries and illnesses for life, as long as you keep renewing the policy every year. Long-term conditions are illnesses that your pet might need lifelong care for, such as arthritis, diabetes and cancer.

Is it worth getting cat insurance? ›

Every pet owner should consider pet insurance. Even if you believe you have enough money to cover veterinary costs, pet insurance could still save you thousands of dollars if your pet gets sick or injured. Especially if you have multiple pets, your out-of-pocket costs could add up considerably without insurance.

How often do indoor cats need to go to the vet? ›

You should take your adult cat in for a checkup at least twice per year, or every six months. Checkups will usually consist of dental cleanings, inspections, and vaccinations. Even if your cat is an indoor cat, they will still require distemper and rabies vaccines.

Can I claim vaccination on pet insurance? ›

Vaccinations may not be covered on standard pet insurance policies, however it may be possible to add optional cover for routine care such as vaccinations, so check your policy to see if you have coverage to help with the cost of preventative health care.

How do pet insurance know about pre-existing conditions? ›

Pet Insurance companies do require medical records in order to enroll any pet in a policy. These companies employ teams of veterinary specialists that are trained to review your pet's medical records in order to determine if your pet has any pre-existing medical conditions.

How soon after taking out pet insurance can you claim? ›

You won't be able to make a claim straight away when you take out pet insurance unless your policy states otherwise. Usually, you'll need to wait at least 14 days - this is known as the exclusion period.

Will my pet insurance go up if I make a claim? ›

Will my pet insurance costs go up if I make a claim? More than likely, yes. Your insurance provider may take the view that if you've made one claim, you're more likely to make another – bumping up your premiums as a result. The same is true if you've had to claim for accidents or for losing your pet.

Does vets4pets do payment plans? ›

Interest Free Payment Plan

Not only do our Plans give you reassurance that your pet will be provided with the best care, it also means you can spread the cost of your pet's treatment.

What counts as a pre-existing condition? ›

As defined most simply, a pre-existing condition is any health condition that a person has prior to enrolling in health coverage. A pre-existing condition could be known to the person – for example, if she knows she is pregnant already.

Are allergies in dogs a pre-existing condition? ›

The allergies are considered pre-existing and are not covered. Chronic conditions, if previously diagnosed, such as arthritis, diabetes, epilepsy, thyroid problems, heart conditions, gastrointestinal conditions, skin and ear conditions, may not be covered.

Is a UTI a pre-existing condition? ›

How Do Pre-Existing Conditions Work? Some pre-existing conditions are considered “curable,” such as ear infections, diarrhea, and urinary tract infections (UTIs). In these instances, an insurance provider may extend future coverage under a pet insurance plan once the condition is cured.

Do all pet insurances have a waiting period? ›

There are almost no pet insurance plans with no waiting period. Some plans waive waiting periods for certain conditions if your pet can meet certain criteria, but in general pet insurance plans set a waiting period before your coverage begins.

Can pet insurance be backdated? ›

Can I get retroactive pet insurance? No, you can't purchase a pet insurance policy and have it take effect on a date that has already passed.

How long do animal friends take to pay out? ›

In many cases we're able to pay successful claims within 48 hours. This can mean a very fast response to the claim at the critical time when your pet needs immediate attention.

Can I cancel my pet insurance at any time? ›

You can cancel pet insurance at any time. Insurance companies usually ask that you call them to cancel your policy. You can do this at any time, but bear in mind that if you cancel before your policy is due for renewal you may be liable to pay the premiums for the remainder of your current period of insurance.

Why do male dogs cost more to insure? ›

Your dog's gender affects insurance costs as well. Most insurance companies will cost you more if you have a male dog – this is because male dogs are more likely to get injured or into fights, causing pay outs. Female dogs can also recover better from disease than males, which can reduce their insurance costs.

Is PetPlan expensive? ›

PetPlan aren't cheap. In fact, they're among the most expensive pet insurers. How much you'll pay depends on; Your pets breeds.

Will a vet see a dog without money? ›

Fortunately, there are dozens of free and low-cost options for veterinary care throughout the United States. Many charitable organizations offer reduced or free care for basic services and vaccinations. Additionally, it's always worth a shot to ask your local veterinary clinic about any promotions they're running.

What can I do for a sick dog with no money? ›

How Can I Help My Sick Dog if I Have No Money?
  1. Ask for a payment plan. Talk with your vet frankly about your economic situation. ...
  2. Find a free or low-cost clinic. ...
  3. Look for a veterinary teaching college. ...
  4. Financial and natural disaster assistance. ...
  5. Cancer assistance.
27 Jul 2022

How much does a vet check up cost UK? ›

According to data company Statista, Brits forked out about £3.8 billion on veterinary fees in 2020. The majority of vets will charge a consultation fee, normally around £40-£60, just to see your pet.

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