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Pet Insurance – key questions to ask

When your friend is feeling out of sorts you don’t want to be worrying about vet bills nor about complex pet insurance claims procedures. You need reassurance and support. We have put together some key questions to ask your pet insurance provider:

Will ongoing conditions remain covered each year?

Vetsure policies are cover for life, so ongoing conditions will continue to be covered each year (provided you continue to renew your policy and your premiums are kept up to date).

Does the vet fee limit relate to each condition or is there a maximum for all conditions?

Vetsure policies are per condition per year e.g. on our Premier Plus Policy you can claim up to £5,000 for each unrelated condition per year.

What is the excess? What is the co-payment and when does it apply?

Vetsure can tailor your excess to suit your budget – either £69, £109 or £149.
For Vetsure, pets over the age of 8 years will require a 15% ‘co-payment’ towards the cost of each claim.

Does the excess need to be paid only once or every year for ongoing illness?

Vetsure will only charge the excess once per unrelated condition!

Will your vet allow ‘direct claims’ from the insurer?

Vetsure-accredited practices are happy to accept ‘direct claims’ from Vetsure.


Always read any policy documentation carefully to ensure it meets your needs. Always answer the insurer’s questions to the best of your knowledge.

Did you find this useful? Also read our FAQ’s or find out more about our policies.

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