Post Office Insurance
|Plan||Accidents or illnesses||Deductible||Max age limit to sign on||Lifetime cover||Price per month*|
|Post office plan||£5000/ condition||£75/ condition**||none||no||Dog: £17.24- 48.41 Cat: £9.22|
Detailed coverage Chart Post Office Insurance
|Post Office Plan|
|Vet fees Accident and illnesses||£5000/ condition|
|Death or loss (replacement cost of pet)||£1000|
|Euthanasia||If no other options only. If it’s your choice then not covered.|
|Boarding or daily minding (if owner hospitalized)||£750 for each boarding and daily minding (75/ week)|
|Holiday (trip cancellation)||£1000/ yr|
|Cover Abroad||£2000/ condition|
|Behavioural problems||£250/ year|
|Dental (not teeth cleaning)||£500 (from injury)|
|Alternative/ Complimentary treatment||1000/ year|
|Breeding, Fertility, Pregnancy||-|
|Medical devices (ex. Wheelchair for dog)||If the vet has recommended it. Can’t be guaranteed over the phone. Will be assessed on a case by case basis.|
|Lost/Stolen pet adds and rewards||£750/ year and 250/ year for rewards|
|Third party liability (dogs only)||£2 million/ incident|
|Accidental Damage (tenant coverage)||£250/ year|
|Grooming and Bathing||-|
|Pet food, Nutritional supplements, vitamins, natural remedies||Diet: £250/ condition (4 weeks max)|
Insurance Helplines coverage chart for Post Office Insurance .
|Post Office Insurance Plan|
Some Common Questions:
Are Hereditary or Congenital disorders covered by Post Office Insurance for Pets?Yes they’re covered as long as they’re not pre existing conditions.
Lifetime insurer (will Postoffice Insurnace cover on going conditions throughout a pets life) ?
No. The condition will be covered throughout your pets life only upto the condition maximum which does not renew. Once you reach the maximum that condition no longer has coverage.
5% additional pets.
Any vet or specific vets only? After hours vets or in home vets?
Yes, you choose your local vet.
Yes, Post Office Insurance will cover the vet bills, from whatever vet gives treatment.
Can the vet be paid directly by Postoffice Insurance?
Yes, if they agree.
If not, How quickly are claims processed with Post Office Insurance?
They did not say how long, however they do try and assess each claim as soon as possible.
Does Postoffice Insurance cover examination fee (if it relates to the injury or illness) ?
Postoffice Insurance doesn’t cover the examination fee.
No: Post Office Insurance does not cover: American Bulldog, American Bullmastiff, American Pit Bull Terrier, American Staffordshire Bull Terrier, Beauceron, Bernese Mountain Dog, Bullmastiff, Cane Corso, Czechoslovakian Wolfdog, Deerhound, Dogo Argentino, Dogue Brasileros, Dogue de Bordeaux, Fila Braziliero, Irish Staffordshire Bull Terrier, Japanese Tosa, Mastiff, Neapolitan Mastiff, Northern Inuit, Perro de Presa Canario, Pit Bull, Pit Bull Terrier, Pyrenean Mastiff, Sarlooswolfhound, Sharpei, Spanish Mastiff, Tibetan Mastiff, Tosa Inus, Utonagan or a dog crossed with these breeds, wolves or wolf hybrid
Dangerous Dog Act?
Breeds under the dangerous dog act are not covered by Postoffice Insurance.
Do I stop getting coverage as my dog ages?
Cover throughout its life.
Does age affect monthly price (as my dog gets older will the monthly premium go up) ?
Yes, older pet, the more it’ll go up.
Does Postoffice Insurance put the monthly price up every year? By how much?
Yes, the monthly amount may change depending on things such as; Age, where you live, neutering, breed of dog. Etc.
Does Post Office Insurance serve all of the UK? Is the monthly amount more depending on where I live?
Yes, they serve all of the UK.
Yes, the monthly amount is affected by where you live as vet prices change depend on where you live, so the monthly amount is too.
You must wait14 days for illness before your coverage starts.
Do rates increase with more claims/penalized for filing more claims?
Your rate isn’t affected by the number of claims you make.
Is there a Maximum lifetime claim amount with Postoffice Insurance?
Only per condition- 5000, then no longer covered for that condition.
What is the co-payment with Postoffice Insurance?
There is no co-payment/ co-insurance with Post Office Insurance.
None to note.
Money back guarantee?
You can change your mind within 14 days after receiving policy documents.
What they don’t cover - claims that are directly or indirectly related to:
• Pets under 8 weeks old.
• Pre-existing conditions.
• No coverage for injuries that result from: racing, breeding, guarding, law enforcement or any business, trade, profession or occupation.
• Treatment not recommended by a vet.
• 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.