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Dog Insurance - Do I need it?

  • 31/01/2010

  • Why Do I Need Dog Insurance?
Nobody likes to think of their pet being unwell, but just like us, they can suffer all sorts of illnesses and injuries. It's a fact, one in three pets will need unexpected treatment this year. Although it's a cost every caring owner willingly pays, bills can run to hundreds and increasingly, thousands of Euro.
  • What does Covered for Life mean?
Pet Insurance Policies cover injuries and illnesses for life. This is important if your pet gets an on-going condition like arthritis or eczema. With Covered for Life, there is no limit on how long you can claim for each illness or injury, no matter how ill your pet may become or how much you have claimed in the previous year. Cover for illness or injury simply does not end, as with 12 month or maximum benefit policies. All you have to do is renew the policy each year and the full veterinary fees benefit is reinstated.
  • If my pet develops an ongoing condition, will my pet be covered?
Most pet insurance providers restrict the amount you can claim for a condition by either limiting the time you have to claim for a condition to 12 months, or providing an insufficient level of cover for vet fees. A lot of Pet Insurance Policies also cover no matter how much you have claimed in the previous year, your full veterinary fees benefit will be reinstated every year, as long as you renew your policy.
  • If I apply for pet insurance, when does cover for my pet begin?
Cover for injury starts as soon as we receive your application. Cover for illness starts 14 days after your application date which, will appear on your Policy Schedule of Insurance.
  • What is a claim excess?
A claim excess is the amount that you pay towards the cost of treating each illness or injury during the period of cover and is not related to any other illness or injury treated during the same period of cover.
  • Are there any age restrictions on starting a new policy?
You can insure your pet from 8 weeks to their 8th birthday. If you are insuring one of the Select breeds you normally need to insure your pet by their 5th birthday.
  • What is a select breed dog?
Just as some dogs cost more to feed, their veterinary care costs more too. Therefore the following breeds incur a supplementary premium - Bulldog, Beauceron, Deerhound, Dogue de Bordeaux, Great Dane, Irish Wolfhound, Leonberger, All Mastiff Breeds, Mountain (Bernese, Estrela and Pyrenean), Newfoundland, St Bernard, Old English Sheepdog and Rottweiler.

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