I’ll Answer Pet Insurance Questions !

This page has been made to answer ALL your Pet Insurance Questions.
Feel free to ask any questions that you might have about Pet Insurance on the form at the bottom of this page.

Maybe your Question has already been asked.
There are common questions with answers listed below.

Why get pet health insurance?
You’ll never know when or whether your dog will get sick or injured. Let me tell you, from experience that having to make the decision for your pets life is a very tough one indeed. It is horrible to have to decide how much your best friends life is worth…

A good pet insurance can help cover the costs, so it’s easier to right choice for your pet.

Is pet insurance for me?
Only you can answer this, but this site will give you more information so you’ll be able to make the right decision for you.

How much does pet insurance cost?
Pet insurance varies from a few pounds or dollars a month and up, depending on what company and plan you chose.
Please check out my comparison chart and the listed companies.
There are quotes that will cover the range that the costs will be with the same ‘pet information’ for each quote so you can compare plan ‘A’ to plan ‘B’.

What does Pet insurance cover?
Accidents, Illness or even routine care- it depends on the plan.

Originally, pet health insurance covered only accidents or illnesses. Now however you there are many options even including routine care such as annual shots. It all depends on the plan that you chose.

These are all explained in this website on each company’s page at the bottom where there are answers to the Pet Insurance Questions.

How do I get paid?
Usually you will send the receipts to the pet insurance company, and they will send you a reimbursement cheque in the mail in a few days to a few weeks. Make sure that you send them ALL receipts and information to speed up the process.

Are there discounts for multiple pets?
Most companies offer discounts for things such as multiple pets, purchasing online. The discounts are listed at the bottom of each company’s page under the ‘Questions section’.

What should I watch out for?
Some things that you should watch out for are coverage for: Genetic and congenital conditions.Also, make sure you understand Lifetime or Non Lifetime plans and what you are getting before you purchase.

I don’t understand all the terminology, can you explain this?
Please check out my Terminology Page.

What about pre-existing conditions?
Pre-existing conditions are not covered for any plan. This encourages owners to purchase insurance when the pet is young. A very few companies may cover something that is pre-existing but is completely healed (ex. A broken leg), but this is uncommon and has to be agreed on by the insurance company.

What about Genetic conditions?
Some companies do cover genetic conditions, while others don’t. If you have a pure bred dog / pedigree please make special care to check that the company covers these conditions before signing up.


I have tried to answer most of the Pet Insurance Questions that I can think of on EACH pet insurance company’s page, so check out your country:  Canada , USA,  UK so you can have an answer today for the questions listed below! These Pet Insurance Questions and answers are located at the bottom of each page for each company and are listed in the exact same order on each page.
The questions are:
Are Congenital disorders or Hereditary Conditions covered?

Lifetime insurer (will they cover on going conditions throughout pets life) ?
Discounts? Does the specified company offer any discounts such as for multiple pets?
Any vet or specific vets only? After hours vets or in home vets? What vet can I take my pet?
Can the vet be paid directly? Do I send in the Claim and get reimbursed, or is there an options so that the Vet is paid directly?
If not, How quickly are claims processed? How long will it take for me to get the money after I have put in a claim?
Does the company cover examination fee (if it relates to the injury or illness) ?
All Breeds? Does the particular company offer insurance for all breeds?
Dangerous Dog Act? Are dogs under the Dangerous Dog acto covered in England?
Do I stop getting coverage as my dog ages? Will the company stop giving coverage when my dog hits a certain age?
Does age affect monthly price (as my dog gets older will the monthly premium go up) ?
Do you put the monthly price up every year? By how much?
Do they serve all of my country? Is the monthly amount more depending on where I live?
Waiting period? Is there a Waiting period before coverage takes effect?
Do rates increase with more claims/penalized for filing more claims?
Maximum lifetime claim amount?
What is the co-payment?
Extras included? Are there any extras that you should be aware of?
Money back guarantee?

To find out the answers to these Pet Insurance Questions for companies in your country click here for: Canada , USA,  UK .

This website is for INFORMATION ONLY. I do not offer pet insurance.

I would love to answer any and all of the Pet Insurance questions you ask, so even if you think it’s silly, please ask.

Ask your Question: