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  • Pet Insurance Policies



How old does my pet need to be when cover starts?

Your pet needs to be at least 8 weeks old and less than 10 years old at the start of cover if you are taking out one of Accident and Illness policies:  Premier or Premier Plus.

There is no upper age limit for our ‘Accident Only’ policy.  Please speak to our Customer Service Centre for details.

When does my cover start?

Your cover will start on the date you specify, but there will be a 14-day ‘waiting period’ before illness cover begins. The ‘waiting period’ means a period of 14 days from your cover start date. During this time any illness which occurs or shows clinical signs will be excluded from cover unless otherwise agreed and noted on your Schedule.The ‘waiting period’ does not apply to the Accident Only policy as illnesses are not covered.

Do you stop offering cover when my pet is older?

Your pet must be more than 8 weeks old and less than 10 years old to arrange a Vetsure Pet Insurance policy for the first time. Once your pet is insured cover will continue for the remainder of your pet’s life as long as the cover remains in force and premiums are paid.

What is a bilateral condition and why is this relevant?

These are conditions affecting body parts that your pet has a pair of e.g. eyes, ears, cruciate ligaments, hips etc. It is important to note that when we apply exclusions to cover (and also Benefit Limits) a ‘Bilateral Condition’ is considered as one condition.  Here are some examples of how this might be relevant to a customer:

1) If you have a Premier Plus policy (£5,000 per condition per year) and your pet is diagnosed with an ear infection affecting both ears you can claim up to £5,000 for treatment of both ears within that policy year.  When you renew you would then have another £5,000 available for both ears if further treatment was required for the same condition.

2) If your pet had surgery to repair a damaged cruciate ligament in his left hind leg before the policy was taken out, any treatment of the cruciate ligament in the right hind leg would not be covered by the policy as the condition is considered as bilateral and therefore pre-existing.

Can I pay for my policy in installments? Do you charge interest if I pay in this way?

You can pay for your policy in 12 interest free monthly instalments by Direct Debits.

What is a claim excess and how much will this be?

The claim excess is the amount you pay towards each new, unrelated claim. You will be need to pay your chosen excess (£69, £109 or £149) if your pet is treated at a Vetsure-accredited clinic (or any other clinic at your Vetsure vet’s direction).  The excess is increased by £20 if your pet is treated at any other veterinary practice of your own choosing. Please note that for pets over the age of 8 years, a 15% ‘co-payment’ will apply to each claim payment for veterinary fees, special diets and complementary medicine, which is in addition to the deduction of the applicable standard excess.
Please note, the co-payment does not apply to Accident Only policies.

Will you pay the vet or me direct?

Many pet insurers state that they will ‘pay claims directly to vets’. However, it is not really up to the insurer to determine this, but at the discretion of the vet. If the vet is not confident of being paid in a timely manner by the insurer in question, they may be reluctant to agree. Some vets, as a general rule, will not undertake any direct claims on behalf of clients regardless of insurer. If this is the case, it means that you will have to pay for the treatment up front and claim from the insurer later.

As part of the accreditation process, Vetsure practices have committed to undertake direct claims for Vetsure policyholders as the norm – due to our prompt claim payment record, our partnered practices are more than happy to agree to this. This means that for any eligible treatments, you normally need only pay your vet the applicable excess and Vetsure will pay the remainder of the claim directly to the vet. If your pet receives treatment at a non-Vetsure-accredited clinic, we will happily agree to undertake a direct claim in the same way but we cannot guarantee that your vet will agree to this. You may have to pay the full cost at time of treatment and claim this back from Vetsure yourself. Practices may have their accreditation status changed from time-to-time so you should check our up-to-date network list when making a claim if in any doubt.

View the current list of vets in the Vetsure network

Do I qualify for any discounts?

All new policies taken out will have a 10% Introductory Discount applied to your first year of cover only. If you insure more than one pet with us you will also be entitled to a 10% multi-pet discount – which is applied to each policy (pet) and remains in force for as long as you have more than one pet insured with us. Discounts are applied consecutively.

What happens if I move and have to take my pet to a non-Vetsure accredited clinic?

If you move house to anywhere within the UK (inc Northern Ireland) you can still keep your Vetsure pet insurance policy. You can use our Find a Vetsure Vet tool to check whether there is a Vetsure-affiliated clinic near to your new home. If not, you can take your pet to any vet of your choosing – the only difference is that you will pay a slightly higher excess (£20 more) if you attend a non-Vetsure-accredited clinic. You may have to pay the full cost at time of treatment and claim this back from Vetsure yourself.


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