Age Limits & Claims

Many companies have age restrictions when it comes to insuring a dog for the first time. For example, some companies will not insure dogs over a certain age - usually 8 or 10, but can be as low as 5 years old depending on the breed of the dog - while others will not provide cover until the dog reaches a certain age.

In addition, some companies may not provide lifetime cover, meaning an insured dog that reaches the company's cut-off age will no longer be covered or its cover may be restricted. Some policies may also increase their rates each year as a dog becomes older and the risk of illness increases.

Making a claim

Claiming from most pet insurance providers is usually very simple. Once a policyholder has contacted their insurer they will be sent a claim form, which they must then complete. Filling out the necessary medical details on the form may require help from their vet. Once the form has been fully completed and sent back, the provider will then send the policyholder a cheque for the amount claimed.

It is important for dog owners to remember that some policies have limits on the number of claims for the same or separate conditions that can be made in a year, or a limit on the amount that can be claimed per condition. However, most comprehensive policies allow unlimited claims to be made without affecting the policyholder's insurance premiums.

Other factors to consider

  • Excess - as with all insurance policies, insurer's offer the choice of paying a higher excess in return for a lower premium, or a high premium with a lower excess.
  • Breeds - purebreds, pedigrees and certain breeds will cost more to insure than others.
  • Area of residence - different areas often result in different rates from insurance companies.
  • Maximum payout - some policies have maximum payouts, e.g. one company may have a maximum payout for the duration of the policy, others may have a maximum annual payout, or some may have a maximum payout per claim.