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Detailed Guide: Pet Cover

Pet cover can be one of the most precarious areas of all insurance industries; frequently we hear of pet owners who, when they have come to claim, have been refused any pay-out whatsoever. It goes without saying that this can be devastating for a pet owner, and, after years of premium payments, can lead to understandable anger. In this guide we walk you through the process of choosing the correct type of pet cover.

Types of pet cover

Annual cover

Annual cover policies last for 12 months, and need to be renewed by the policy owner every year. At a certain age however your insurance provider may refuse to renew the policy, this is usually around when your pet reaches 10 years of age. That said, some providers offer to cover your pet under a "senior policy" which is, in effect, a lower level of coverage.

Lifetime cover

Many people that wish to insure their pet later on in life find that providers won't insure them; this is because it is difficult for them to know your pet's history, and whether they suffer from any particular conditions. One way to avoid this situation is to cover your pet early on in life, ideally the sooner the better. In this instance you will be able to take out a "lifetime policy" which will cover your pet indefinitely.

These types of contracts will be renewed each and every year for as long as your pet lives (obviously you will need to ensure that you pay the premiums).

Many people prefer to take out these polices because they are less convoluted than other policies; they guarantee that your pet will be covered, regardless of whether it picks up any illness or condition that means it requires lifelong treatment. You should note however that some policies specify a limit for treatment per year.

Inevitably this type of policy is more expensive than the more basic ones, however if you wish for your pet to be fully protected then unfortunately it is a price you have to pay.

Lunar month policies

Lunar month policies are generally lesser known in the pet cover industry; however they run on a lunar month basis (which means that you pay 13 times each and every year). The benefit of a lunar month policy is that you can cancel the policy at any time.

Things to be aware of when buying

Your pet's age

This is a significant factor in your policy affecting the cost and not only that - some insurers will not provide cover if your pet is more than 9 years old. The easiest way to avoid this is to buy lifetime cover while they are still quite young.

Pre-existing conditions

You always have to mention if your pet has any medical conditions. It's likely that your policy will not cover that condition though.


This is the amount that is payable by you in case of an insurance claim. It could be percentage-based or fixed. We recommend that you go for fixed sum as if you are paying vet's fees- this can grow up by quite a lot.

Finding the best pet cover deal

Compare websites

Compare websites are a great place to start your pet cover search. The better of these websites will display providers side by side and detail what elements of coverage they provide in their packages.Be sure to look further into what's available however, as there are various terms and conditions attached to policies that may lead to you not getting the coverage you think you are.

Calling providers directly

Even with the numerous compare websites out there, there's still much to be said for calling providers directly. Often there are providers that do not appear in the compare websites results, simply because they choose not to be included, so be sure to ring around.

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