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.
