Basic Guides
Just got a puppy and no idea where to start with insurance?
A straightforward rundown for new puppy owners.
Basic Guides
Pet insurance basics. Explained simply.
Simple starter articles for understanding pet insurance without the jargon.
These articles are for information only and don't constitute advice of any kind.
At a glance: key terms
| Term | What it means in plain English |
|---|---|
| Premium | The amount you pay monthly or annually for your cover |
| Excess | The amount you contribute to each claim before the insurer pays |
| Exclusion | Something the policy will not cover |
| Pre-existing condition | A health issue your pet had before the policy started |
| Waiting period | A short gap after the policy starts before cover kicks in |
This is a general summary. Specific policy wording sets out the terms that apply.
Basic Guides
When should I get pet insurance?
Why timing matters before symptoms appear on your pet’s records.
Basic Guides
What information do I need to get a pet insurance quote?
What to have ready before getting pet insurance quotes.
Basic Guides
Pet insurance vs vet health plans — what's the difference and do you need both?
If you've registered at a vet practice in the last few years you've probably been offered some kind of monthly plan alongside your pet insurance. It g
Basic Guides
Will getting a hip score affect my dog's insurance?
It's a question that comes up a lot, particularly among Golden Retriever owners, and it's a genuinely good one to ask before you book that appointment
Basic Guides
Does my dog's insurance cover flea and worm treatment?
The honest answer is almost certainly not, and it's worth knowing that upfront so you're not caught out.
Basic Guides
My puppy has a heart murmur — do I need to declare it for insurance?
Insurers generally expect anything recorded by a vet to be declared. Here's what that means for a puppy heart murmur.
Not sure where to start?
The basic guides are a good first step. The jargon buster is there whenever a policy word doesn't make sense.