There is usually an excess to pay for a claim on a new condition or at the start of a new year’s policy for lifetime cover. Some insurance companies also take a percentage of the claim, and this may depend on the age of the animal and the type of policy.
Pet insurance generally can be taken out from 6 weeks old up to 8 years although this may be affected by the breed of dog. Some insurance companies do provide initial cover for older animals, although this is quite rare and some of these policies can be quite limited in their scope. Pedigree cats and dogs generally are more expensive to insure than cross breeds, and insurance costs can vary depending on the breed and size of dog. Insurance premiums can vary according to where you live.
Please carefully read the terms and conditions that are available before you take out an insurance policy for your pet, some providers may have lower premiums than others but do they cover what you require or have adequate benefits? It is important that you get the best insurance policy within your means with the best cover available, because once you claim you will not be covered by another insurer for that condition, even if you decide to change insurers.
Broadly there are three main types of pet insurance: