What our pet insurance expert says
What are the different types of multi-pet insurance?
There are 4 types of multi-pet insurance:
- Accident only
- Time-limited cover
- Maximum benefit cover
- Lifetime cover
Accident only. This is the most basic level of cover available, and usually the cheapest. It only pays out for accidents and has a limit for each year.
Time-limited cover. This covers your pets for accidents and emergencies. It also has a yearly limit. After this, you need to renew the policy. But your policy might not cover new conditions that your pets have developed.
Maximum benefit cover. This has a maximum amount of money that your insurer pays out. You can use it to cover the cost of accidents or emergencies for your pets. When your insurer has paid out the full amount, you have to pay for treatments yourself.
Lifetime cover. This is the highest level of cover available. It covers your pets for their whole lives up to a yearly limit. It's usually the most expensive option, but covers any conditions your pets develop in their lives. This is as long as the policy was in place when they developed the condition.
Remember, with a multi-pet policy all pets on the policy usually have the same level of cover.
What does multi-pet insurance cover?
Most multi-pet insurance policies will generally cover:
Missing or lost pets
Missing or lost pets. This includes the cost of finding a lost pet, such as money for a reward.
Third-party liability. If your pet causes damage to another person or their property, you're covered if they take legal action.
Vet bills. There’s a limit for treatments but you’re usually covered for vet bills. Routine appointments aren't included. But treatments like emergency dental work because of an accident should be.
Holiday cancellation. You're covered if you need to cancel a holiday because your pet is unwell.
Cremation costs. If your pet dies, you should be covered for the cost of their burial or cremation. Some policies also cover the price you paid for your pet.
You need to check the small print as the exact details depend on the insurer and the policy.
What doesn’t multi-pet insurance cover?
Dangerous dog breeds
Routine check-ups and vaccinations
Pre-existing conditions. Most insurers don’t cover your pet if they’ve previously been injured or ill.
Dangerous dog breeds. If your pet is one of the breeds banned in the Dangerous Dogs Act 1991, you might not be able to get insurance for them.
Routine check-ups and vaccinations. Vet visits such as annual vaccinations and health check-ups and dental checks aren't covered.
Pet insurance guides
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