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Quidco Compare - Pet Insurance
Compare pet insurance quotes online with Quidco Compare to find the best cover for your cat, rabbit or dog and earn cashback when you take out a policy. Our furry friends are like family to us, so it’s important to provide the best health care should they get into any mischief and require medical attention after an accident or fall. Pet insurance can seem confusing, but we’ve answered some of the most commonly asked questions for you below, so you can find the right kind of cover for your pet.
What you'll need
- Details about your dog, cat or rabbit, including its breed and vaccination history.
To ensure the quote process runs as smoothly as possible, please have the following to hand:
Need to know
What is pet insurance?
Pet insurance will help cover the cost of any medical treatment that your pet may need after injury or illness. Some policies will also pay out if your pet dies, gets lost or stolen, or if your pet causes damage to another person or third party property. You pay a monthly or annual premium for the coverage and with most policies there is usually an excess that must be paid before the insurer will pay out. The insurer will pay out for any condition that’s covered in your policy.
What does pet insurance cover?
Pet insurance policies can vary, so you should check the terms and conditions of your policy carefully to see what is covered but in pet insurance usually covers:
- Death by accident or illness
- Missing pet
- Third party liability (dogs)
- Overseas travel cover
- Cattery and kennel fees
- Euthanasia, cremation and burial
- Dental cover (accident only)
What is excluded from pet insurance?
Some of the most common exclusions from pet insurance are:
- Pre-existing illnesses or conditions
Chronic or historic conditions aren’t usually covered by pet insurance. Chronic conditions are conditions that are on going, such as heart conditions or hip dysplasia. Historic conditions refer to any illnesses or injuries that your pet no longer suffers from.
- Waiting period
This is also known as the cooling off period. Most pet insurance policies won’t provide cover for the first 14 days from the start date of your policy.
Routine and preventive treatment
Pet insurance doesn’t usually cover vaccinations, spaying, castration, flea treatment, tick treatment, worm treatment, grooming, nail clipping and teeth maintenance.
Pregnancy and birth
Any expenses due to pregnancy, giving birth or offspring aren’t usually covered by pet insurance.
- Pre-existing illnesses or conditions
What are the different types of pet insurance?
You can get different levels of cover for your pet depending on your preferences. Here is a breakdown of the different types of pet insurance, and what’s usually covered.
Accident-only pet insurance
This kind of coverage typically covers any medical expenses incurred when your pet is injured in an accident. It won’t cover the cost of any medical attention should you pet become ill, so you will have to foot that bill yourself. Many accident-only policies limit the total amount they'll pay out for a single accident, or could only pay out for a limited period of time after a pet is injured.
- Per condition per year – This has a maximum pay out amount for specific conditions and once the limit has been hit, you have to pick up the remaining costs. It resets each year so if you hit your limit for a skin condition in one year, it will reset the following year for the same condition.
- Annual lifetime cover – This type of pet insurance has a maximum overall limit and can cover all conditions your pet may need treatment for. It’s the most secure type of cover you can get your pet.
- Per condition cover – Per condition pet insurance will pay a limited amount for each condition and once the limit has been reached, the condition is excluded from future payouts. So if you need to claim for a condition and you hit the limit, you won’t be able to claim for the same condition anymore.
- Time limit per condition – This type of pet insurance has a condition limit and a time limit (usually 12 months) after which the condition will be excluded. Even if you never claimed for a condition before, it will still be excluded from future payouts.
How can I reduce my pet insurance premiums?
If you’re looking for a cheaper pet insurance plan there are a few things you can do to reduce the cost.
- Microchip your pet
Pet microchipping shouldn’t be too expensive and it’s one way to reduce the cost of your insurance. It means it will be easier to find your pet should they go missing and demonstrates that you’re a responsible dog owner.
- Pay a higher excess
Like most insurance policies out there, if you opt to pay a higher excess, you can reduce the cost of your premiums.
- Don’t get a pedigree
Pedigree animals are more prone to developing hereditary conditions like weak joints or hips due to inter-breeding. This means there’s a higher chance you will need to claim on your insurance in the future, so insurance premiums are higher.
- Get your pet insured
The younger your pet is, the more likely they are to be fit and healthy. Getting them insured at this stage can save you money, as most insurers will exclude pre-existing conditions.
You should always double check the policy you’re considering choosing, as sometimes the cheapest policy will not offer the level of protection you need.
- Microchip your pet
When using the Quidco Compare service, you must take reasonable care to answer insurers questions fully and accurately and if you volunteer other information, you must take reasonable care to ensure that the information is not misleading. If any information that you have provided changes before you take out your insurance, during the life of the policy or at renewal you must inform the insurer or broker of the change. If you deliberately or carelessly misrepresent any information in relation to this insurance, then your policy may not pay all, or part, of a claim and could in certain circumstances be avoided altogether.