Frequently Asked Questions (FAQs)

The restrictions vary depending on the pet insurance plan (Essential, Premier, or Premier Plus), but some common rules and limitations apply across all policies.

Common Restrictions

• Vet Fee Limits:
  • Essential: €1,500 per policy period for accidents.
  • Premier & Premier Plus: €4,000 per policy period for illnesses or injuries.
    Once the limit is reached, no further cover is provided for that period. For renewed policies, the limits reset for new claims.
• Time Limits for Conditions:
  • Essential & Premier: Coverage for a condition ends 12 months after it begins.
  • Premier Plus: Ongoing conditions are covered if the policy is renewed.
• Bilateral Conditions: Conditions affecting body parts on both sides of the body (e.g., eyes, hips, or knees) are considered as one condition.
• Recurring or Ongoing Conditions: These are treated as a single condition and are subject to the same limits.
• Excess Fees:
  • Fixed excess applies per condition per year.
  • For pets older than five years, a percentage excess of 15% is added to the fixed excess.
• Cost Changes at Renewal: Premiums and cover terms may change at renewal based on factors such as:
  • Pet’s age.
  • Veterinary cost trends.
  • Amount previously claimed.

Plan-Specific Restrictions

• Essential: Coverage is limited to accidents only. No coverage for illnesses.
• Premier & Premier Plus: Includes up to €250 for complementary medicine.

Coverage varies depending on the product and optional add-ons.

Essential

• Republic of Ireland: Full coverage.
• Northern Ireland: Vet fee cover for up to 30 days during the policy period.

Premier & Premier Plus

• Republic of Ireland: Full coverage.
• Northern Ireland: Vet fee cover for up to 30 days during the policy period.
• Optional Travel Cover (if selected): Extends vet fee cover to EU countries for a maximum of three trips, with each trip lasting up to 30 days.

You can pay for your pet insurance policy in the following ways:

• Payment Frequency:
  • Annually (one-time payment).
  • Monthly (instalments).
• Payment Method:
  • Credit card.
  • Debit card.

Your cover begins and ends on the dates specified in your pet insurance policy schedule. Each policy remains in force for a period of 12 months.

You can pay for your pet insurance policy in full or in monthly installments using a credit or debit card. Opting for monthly installments lets you spread the cost over the year with no additional charges, as this service is completely interest-free.