Pet insurance FAQs

Digby Bodenham By Digby Bodenham

Do I need pet insurance, can’t I just self-insure?

The decision to insure or what level of insurance to take is very dependent on personal circumstances and what is being insured. But for many people a quality insurance policy gives them peace of mind and can make their lives easier during stressful times. We have a guide on whether you need pet insurance here.

Why can’t I insure my dog over the age of 8?

As dogs get older there is a greater chance there will be issues with their health and they’ll need to be seen by a vet more frequently. That will mean insurers are more likely to have to pay out, so some will not cover dogs over a certain age. We recognise this is an issue for many dog owners so we have created a group for them and have negotiated a 10% discount on insurance for older dogs. Join the group here.

Can I insure more than one pet?

Yes, although not all insurers offer this option. Read our guide to providers that offer multi pet quotes here.

Can I add a pet to my existing insurance?

Some insurers will allow you to add a pet to an existing policy but this might mean you have to take a multi pet policy. We have more information on multi pet policies here.

Is dental cover included in my pet insurance?

Most pet insurance policies won't pay out for dental treatment, unless your pet's teeth are damaged in an accident. However, we’ve created a list of policies that include dental cover. Here it is.

Is my pet covered abroad?

Some policies will cover your pet if you take it to another country. However, it is unlikely it will be included in basic policies so it is important to check if your insurer will cover it.

What is accident only insurance?

Insurers will offer different levels of cover but generally accident only policies provide a fixed amount of money if your pet has an accident but will not pay out for on-going or one-off illnesses. However, some policies may include an amount towards the cost of emergency treatment of an illness. Animal friends offers the policy, find out more here. There also is more information on our guide to dog insurance.

What is lifetime pet insurance?

Lifetime pet insurance is the most comprehensive level of pet insurance. It covers all the possible conditions your pet might be afflicted with in the future (not including any conditions your pet already suffers from when you take out the policy) and usually offers a significant pay-out for illness or injury. As long as you renew the policy each year, the level of cover will remain the same, although there is no guarantee the fees will not increase. Lifetime policies can be a good option to explore if you are concerned about your pet developing a long-term or recurring illness. All of our pet insurance partners offer lifetime cover. Find out more about our pet groups here.

What is time-limited cover?

Time-limited policies allow pet owners to claim a set amount for certain conditions, usually in a 12-month period. After that, no further payouts will be made for that condition. When the policy ends you will be able to renew but the condition you previously claimed for is likely to be excluded. The policy could pay for treatment such as behavioural therapy or physiotherapy after an injury. It is often used by owners with older pets that might be susceptible to illness.

What is self-insurance?

Self-insurance is a method people use instead of taking out a policy with an insurance provider. It involves taking on the risk yourself by regularly setting aside money to cover potential costs. There is information about self-insurance in our article on whether you need pet insurance.

More like this:

Do I need Pet Insurance?

In the UK, there is no legal requirement to have pet insurance. So why do 6.6m pet owners choose ...

  • by Sam Gilbert