Our MoneyBack policy can pay back 20% of your pet insurance premium if you don't claim in a policy year.
We're the only company in the UK that offers this kind of policy so we thought we should explain how it works and answer some common questions about it..
You can also find answers to many questions about our cover in the help centre.
Do all policies give money back?
No. Only our MoneyBack policy can pay back 20% of you premium. Get a quote to see all our options to understand which cover might be best for your pet.
My claims(s) was rejected, will I still receive money back?
Yes, you can receive money back if you have our MoneyBack policy and your claim is rejected. The only time you won't get money back is if we pay your claim.
The claim amount was below the excess or MoneyBack amount
My claim amount is below the excess, am I due money back?
You are due money back unless we have paid a claim to you. As your claim is below the excess we won’t be able to pay it – so you will still be due money Bback.
My claim was successful, but the amount you paid me was less than 20% of my annual premium, am I due money back?
You won’t be due money back in this instance. As we have paid a claim, you are not eligible for money back for that pet this year.
I claimed last year, if I make a claim for the same condition this year, will this mean I don’t get money back this year as well?
We are afraid so. We treat continuation claims like any other claims. If we pay a claim this year, you will not be eligible for money back for that pet.
What if I had a claim paid for one pet but no claims paid for another?
We assess the MoneyBack policy on a per pet basis. So for any pets that we haven’t paid a claim for, you will receive 20% of the premium for that pet back.
Adding or removing a pet during the policy year (including if your pet passed away)
Will I get MoneyBack if I chose to cancel the policy or remove a pet from the policy mid-term?
This is a 12-month policy and money back can be paid on the annual amount paid. You will not be eligible for money back if you cancel a policy mid-term or in relation to a pet that you have removed from the policy (unless this was due to the pet passing away).
Will I get money back if my pet passed away?
Yes, provided no claim has been made for that pet while it was alive.
Money back will be paid on the amount of premium we received for that pet even if you make a claim for its death. The death of a pet is a sad event, we’re not going to make it worse.
If I added a pet to the policy part way through the year, will I be eligible for any money back for that pet?
Yes. Even though MoneyBack strictly applies to annual premiums, we think it’s fairer, in this case, to pay money back on the amount of premium you have paid for that pet. So if you added a pet halfway through the year and we paid no claims for that pet, you will get back 20% of the half year’s premium you have paid.