Types of pet insurance policy cover

Our cats and dogs don’t know how lucky they are, they never have to spend time comparing insurance deals, like pet parents do. When seeing what’s out there on the market it’s important to do your research to help find a policy that works for you and your pet. Insurers offer different benefits and levels of cover so you could end up not being covered for certain treatments if you don’t read the fine print. The good news is you’ve come to the UK’s number one pet insurer to learn more about types of policies and what each one provides.

We don’t offer this type of policy because we don’t believe it provides the best care possible for your pet. Accident-only pet insurance is often the most affordable type of pet insurance policy as it provides a fixed sum of money for each new injury. Although this could be cheaper in the short term, it doesn’t cover for illness and there could be a financial cap on pay outs.

Pet illnesses are more common than you might think. 90% of the claims we see from our customers’ pets are for illness, so there is a risk that accident-only cover will result in you needing to pay veterinary bills yourself if your pet becomes ill. It’s important to get the pet insurance, but it's crucial to make sure you have the right policy from the start, as it’s difficult to switch insurers once your pet has had an illness or injury as pre-existing conditions aren’t usually covered.

If you’re asking yourself ‘What is max benefit insurance?’ or wondering about the difference between this and lifetime cover, then you’ve come to the right place.

Maximum-benefit pet insurance gives you a pre-set amount to spend on each injury or illness with no time limit. If your pet develops a long-term health condition or needs ongoing treatment for an injury, for example, you can claim as many times as you need to until the maximum benefit has been reached. However, after this you’ll no longer be able to claim for that illness or injury even if your pet needs further treatment.

When it comes to determining which plan is right for you, consider what’s best for your pet and your circumstances. You may only be able to afford short-term cover, or you may just want to try it for a year and see if you want to continue. Your pet’s age and the common illnesses associated with the breed can both be factors – not to mention their propensity for getting into mischief! There are lots of policies available so it’s important to check what’s on the market and compare your options.

No matter which type of insurance you go for, it’s best to have it in place before you need it. That way you’ll be more able to deal with the bills if the unexpected happens and your pet can stay happy and healthy for as long as possible.