|Plan||Accidents and Illness||Deductible (per condition per year)||Max age limit to sign on||Lifetime cover||Price per month|
|One plan||£7000/ year||£75, 100, 125 (you choose, hardly a price difference)||No||yes||Dog: £17.28- 48.52 Cat: ??|
Detailed coverage Chart for AXA insurance
|Vet fees Accident and illness||£7000|
|Death or loss(replacement cost of pet)||£1000 for death £750 for loss|
|Boarding (if owner hospitalized)||£750 (£100per week)|
|Holiday (trip cancellation)||£3000(£50 excess)|
|Cover Abroad||£1000/ condition (see below)|
|Dental (not teeth cleaning)||Only if related to injury or illness|
|Alternative treatment||See below|
|Breeding, Fertility, Pregnancy||-|
|Medical devices (ex. Wheelchair for dog)||unlikely|
|Lost/Stolen pet adds and reward||£1000 (inc 250 reward)|
|Third party liability (dogs only)||£2 million (250 excess)|
|Accidental Damage (tenant coverage)||£500|
|Grooming and Bathing||-|
|Pet food, Nutritional supplements, vitamins, natural remedies||£200/ condition, 4 week maximum|
Insurance Helplines coverage with AXA pet insurance.
If you need a help line, you can call AXA insurance and they will be able to help you.
Some Common Questions:
Are Hereditary or Congenital disorders covered with AXA pet insurance?
Yes, as long as they’re not pre-existing conditions or happen within the first 14 days of coverage.
Lifetime insurer (will they cover on going conditions throughout pets life) ?
Yes, they have only the annual maximum that renews every year, so if you reach the maximum in one year, the following year it’ll renew and you’ll have 7000 again the following year.
5% second pet.
Any vet or specific vets only? After hours vets or in home vets?
Home vets and emergency visits are only allowed if moving the pet would danger it’s health.You can go to your vet of choice.
Can the vet be paid directly?
Yes, if your vet agrees.
If not, How quickly are claims processed?
Depends on claim- it can take anywhere from 5 days to 3 or 4 weeks. Generally it takes 2 weeks.
Does AXA insurance cover examination fee (if it relates to the injury or illness) ?
It is kind of complicated, it depends on the price, if there is no outcome, then you wouldn’t claim, but if the claim is above 75 then you could claim for it. They’ll only cover it if the pet is actually sick. The whole cost from examination and treatment is covered for the incident.
NO: Exclusions include Sharpei, Pit Bull, American Pit Bull Terrier, Dogo Argentino, Japanese Tosa, FilaBraziliero, or a dog crossed with these breeds, wolves or wolf hybrid and any animal registered under theDangerous Dogs Act 1991 and The Dangerous Dogs (Northern Ireland) order 1991 or any subsequent amendments.
Dangerous Dog Act?
Dogs under this are not covered.
Do I stop getting coverage as my dog ages?
No, you’ll still get coverage, however after your pet turns 9 years old you wont get the death benefit when your pet dies.
Does age affect monthly price (as my dog gets older will the monthly premium go up) ?
Yes, especially after your pet turns 10 years old. Some year the price may not even change. The age of the pet is taken into account and when it is more likely to have medical problems.
Does AXA pet insurance put the monthly price up every year? By how much?
The monthly price can change depending on a bunch of thigns such as breed, age of pet, risk factors of the age of the pet (a breed is more prone to a certain ailment at a certain age).
Does AXA insurance serve all of the UK? Is the monthly amount more depending on where I live?
They serve all of the UK. The monthly price does depend on where you live.
You must wait 14 days before your insurance will take effect with AXA pet insurance.
Do rates increase with more claims/penalized for filing more claims?
The renewal price may go up depending on a lot of factors and the number of claims that are filed is one of the factors that is taken into account at renewal time.
Maximum lifetime claim amount with AXA pet insurance?
No, only the annual amount will re-new every year.
What is the co-pay?
There is no co-payment/ co-insurance with AXA insurance.
150 for accommodation or transportation if you have to go to another vet that your vet recommends.
Money back guarantee?
14 days once receiving the documents, you can change your mind and cancel and get your money back as long as you haven’t made a claim.
Make sure to read the fine print before purchasing, there are many more exclusions that are not written here.