Insurance
What does pet insurance actually cover?
A straightforward look at what most standard pet insurance policies are designed to cover.
Insurance
Pet insurance explained. Without the jargon.
General articles about pet insurance, cover types and the policy details to understand before you start comparing.
These articles are for information only and don't constitute advice of any kind.
Insurance
Lifetime, time-limited or accident-only — what's the difference?
There are four main types of pet insurance policy and they work very differently.
At a glance: the four cover types
| Cover type | Illness covered? | Ongoing conditions? | Annual limit resets? |
|---|---|---|---|
| Accident-only | No | No | No |
| Time-limited | Yes | For 12 months only | No |
| Maximum benefit | Yes | Until limit reached | No |
| Lifetime | Yes | Yes | Yes |
This is a general summary. Specific policy wording sets out the terms that apply.
Insurance
Things to check before you compare pet insurance policies
Comparing policies is easier once you know what to look for before you start.
Insurance
Why the cheapest pet insurance isn't always the full picture
A low monthly premium can look good until you need to make a claim.
Insurance
Staying with the same insurer or switching each year
It's one of those questions that gets asked constantly in dog owner groups and the answers are all over the place, so let's try and give it a proper g
Insurance
My insurance claim was refused because of the waiting period — what does that mean?
If your claim has just been refused because of something called a waiting period, you're probably feeling pretty frustrated right now, especially if y
Insurance
My renewal has gone up loads and my dog hasn't even claimed — is that normal?
Yes, unfortunately it is. That's not to say it isn't annoying, because it absolutely is. But a significant premium increase at renewal, even with no c
Insurance
What does co-insurance mean and why am I paying 20% of every claim?
If you've just had a claim back and noticed you're paying a chunk of it yourself on top of your excess, you've probably come across co-insurance. It c
Insurance
My pet insurance renewal is going up and I can't afford it — what should I actually look at?
If you are reliant on your policy and the renewal price is difficult, here is how to understand the policy details that usually matter most.
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.