Direct Insurance Line Pet
|Plan||Accidents and Illnesses||Deductible/ Excess (per condition)||Max age limit to sign on||Lifetime cover||Price per month|
|Essential||£4000/ condition/year||£80 or £160 for dogs, £70 or 140 for cats||11 years (6 years for certain breeds)||no||Dog: £7.71- 16.89 Cat: £5.62|
|Advanced||£6000/ condition/ lifetime||£80 or £160 for dogs, £70 or 140 for cats||11 years (6 years for certain breeds)||Upto condition maximum||Dog: £11.68- 30.38 Cat: £8.69|
Detailed coverage Chart of Direct Line Insurance Pet Plans
|Vet fees Accident and Illness||£4000/ condition/year||£6000/ condition/ lifetime|
|Death or Loss (replacement cost of pet)||£1500 (Optional)||£1500 (Optional)|
|Euthanasia||Only for humane reasons||Only for humane reasons|
|Boarding (if owner hospitalized)||£1000 (optional)||£1000 (optional)|
|Holiday (trip cancellation)||£5000 (optional)||£5000 (optional)|
|Cover Abroad||Yes (optional) see below||Yes (optional) see below|
|Quarantine costs||£1500 (optional)||Yes (optional)|
|Dental (not teeth cleaning)||Not routine, some covered||Not routine, some covered|
|Breeding, Fertility, Pregnancy||-||-|
|Medical devices (ex. Wheelchair for dog)||Possibly (see below)||Possibly (see below)|
|Lost/Stolen pet adds||£1000 for advertising, £200 for reward (optional)||£1000 for advertising, £200 for reward (optional)|
|Third party liability (dogs only)||£2million||£2million|
|Accidental Damage (tenant coverage)||-||-|
|Grooming and Bathing||-||-|
|Pet food, Nutritional supplements, vitamins, natural remedies||-||-|
Insurance Help-lines coverage chart for Direct Line Insurance Pet Plans
. 0870 600 0633.
Some Common Questions:
Are Hereditary or Congenital disorders covered (as long as not pre-existing)?
Yes these are covered under Direct Insurance Line Pet plans.
Lifetime insurer (will Direct Line Pet Insurance cover on going conditions throughout pets life) ?
NO: Essential plan- will pay for a condition only for a year.Yes for advanced plan upto the condition maximum.
Discounts with Direct Line Pet Insurance?
15% for multiple pets (more than 1)
First 12 months you can get for the price of 9 months for first time purchases.
Each discount is added consecutively with Direct Insurance Line Pet plans.
Any vet or specific vets only? After hours vets or in home vets?
You can go to your regular vet, however if, they say to go to a certain vet, you must go to the vet they say.
House calls or out-of hours calls are not covered unless it is absolutely necessary.
Can the vet be paid directly?
Yes, they will sort everything out with your vet and you won’t have to pay anything.
If not, How quickly are claims processed?
Direct Line Pet Insurance deals directly with the vet only.
Does Direct Line Pet Insurance you cover examination fee (if it relates to the injury or illness) ?
This is not covered by Direct Insurance Line Pet plans.
Not all breeds are covered by Direct Insurance Line Pet plans.
Dangerous Dog Act?
Dogs under this act are not covered by Direct Insurance Line Pet plans.
Do I stop getting coverage as my dog ages?
No age limit. You pet will be covered through out it’s life till the condition maximum by Direct Insurance Line Pet plans.
Does age affect monthly price (as my dog gets older will the monthly premium go up) ?
The price will increase each year by an amount that was not disclosed by Direct Line Pet Insurance plans.
Does Direct Line Pet Insurance put the monthly price up every year? By how much?
Yes, the price goes up every year. It does tend to increase at renewal time. Not a set increase, depends on a whole bunch of things.
Do they serve all of the UK? Is the monthly amount more depending on where I live?
Yes, all of the UK is covered by Direct Insurance Line Pet plans.The monthly amount is not affected by where you live.
14 days for illness before you will get coverage for illness.
Do rates increase with more claims/penalized for filing more claims?
No, you are not penalized for filing more claims under Direct Insurance Line Pet plans.
Maximum lifetime claim amount?
Yes, there is a maximum lifetime claim amount which is per condition under the Direct Insurance Line Pet plans.
What is the co-pay?
There is no co-payment with Direct line pet insurance.
None to note.
Money back guarantee?
Within the first 14 days you can change your mind as long as you haven’t made any claims.
What they don’t cover - claims that are directly or indirectly related to:
• Pets under 8 weeks old. Pets under 12 weeks for overseas travel.
• Pre-existing conditions.
• No coverage working animals. Injuries that result from: commercial, guard, breeding, security, working or racing.
• Treatment not recommended by a vet.
• If there is a vaccine for the illness, the illness wont be covered.
• Illnesses or Accidents that happen outside of UK, Northern Ireland, Isle of Man, channel islands, Eire, or the EU countries of the PETS travel scheme defined by DEFRA listed here.
o click here.
• Will not insure dogs that are a breed under the “Dangerous Dogs act 1991 or Dangerous dogs act 1991(Northern Ireland)”
o These dogs include: Pit Bull Terrier, Japanese Tosa, Dogo Argentino, Fila Brasileiro and pets described similar in type and characteristic. They may not even be of this breed, but if they’re described to be the same.
o This is described as a type and characteristic, NOT breed, meaning any dogs that have characteristics as the above breeds.
Make sure to read the fine print before purchasing, there are many more exclusions that are not written here.