Pet-ID cat & dog insurance – frequently asked questions
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Having Pet-ID insurance allows you to budget monthly rather than having to cover the cost of unexpected veterinary bills. Did you know that more people claim against their pet insurance policy than on their household or car insurance? This just goes to show how important it is to ensure that your best friend has pet insurance.
Pet-ID has been providing pet insurance for over 20 years as part of our microchipping service. We’re all pet owners so we understand what’s important to our pet owner customers in the same way that we understand what professional implanters require from a microchip supplier. Pet-ID offers two types of pet insurance products: Lifetime pet insurance under the Select plans and 12 month pet insurance under the Classic plan to ensure our customers have the choice of plans to suit their needs and budget.
If you have a query or would like a quote, you can call Pet-ID Insurance on 0330 100 7213. We’re open Monday to Friday from 8am to 8pm and on Saturdays and Sundays from 9am to 5pm.
Cover & plans
Pet-ID offers two types of pet insurance products: Lifetime pet insurance under the Select plans and 12 month pet insurance under the Classic plan. The Select policies provide cover for ongoing illnesses such as diabetes for the duration of your pet’s life as long as you renew your policy each year without a break in cover. Our Classic pet insurance product is for owners requiring a less comprehensive policy for their cat or dog. It is important to remember that under a Classic policy each illness and injury will only be covered for either 12-months, or up to the maximum benefit, whichever is reached first. Should your dog or cat suffer from the same condition again you will not be able to claim for it once one of these limits has been reached.
Yes, we only insure cats and dogs.
Lifetime cover is not for everyone, which is why Pet-ID created the Classic policy so that pet owners requiring a less comprehensive policy could still benefit from having their cat or dog insured. It is important to remember that under a Classic policy each illness and injury will only be covered for either 12-months, or up to the maximum benefit, whichever is reached first. Should your dog or cat suffer from the same condition again you will not be able to claim for it once one of these limits has been reached. With our Select policies you will continue to be covered so long as you renew your policy each year without a break in cover. It’s always important to think carefully about what level of cover you would like before taking out a policy.
The Select policies provide cover for ongoing illnesses such as diabetes for the duration of your pet’s life as long as you renew your policy each year without a break in cover.
Yes, you can add additional bundles to our Select and Classic dog policies which include Third Party Liability cover. Our Third Party Liability insurance covers dog owners for compensation, legal bills and the associated costs related to defending claims brought against them where they are legally liable.
Yes, you can add additional bundles to our Select and Classic dog policies which include Pet Travel cover. This bundle includes cover for vet fees, emergency repatriation, quarantine expenses and advertising and reward.
Cover for injury will start immediately and cover for illness will start 14 days after. If you continue your 4 weeks free cover without a break, cover for illness and injury will start immediately.
At Pet-ID we like to be as clear as possible to our customers, therefore any exclusion from cover placed on your policy will be stated clearly on your Certificate of Insurance. Before taking out your dog or cat insurance we will ask you about your pet’s health and any prior illnesses or injuries they’ve had and based on that we will tell you if there are conditions we cannot cover. Like most other pet insurance companies, illnesses and injuries experienced before you start your pet’s insurance will unfortunately not be covered. Your pet’s previous medical history will not affect your premium. When you take out a policy you should always check your Terms and Conditions in conjunction with your Certificate of Insurance to see what is and what is not covered.
Yes, during your application we will ask you about your pet’s health and any conditions, injuries and prior illnesses they’ve had and based on that we will tell you if there are conditions we cannot cover. These exclusions will be clearly stated on your Certificate of Insurance and will not affect the price of your premium.
We can provide cover for cats and dogs from 6 weeks of age. For cats, you must start the insurance before their 10th birthday and for dogs, before their 8th birthday. For some breeds of dog (Select Breeds) you must start the insurance before their 5th birthday. Once your pet is insured you can renew your cover each year regardless of age as long as there’s no break in cover.
Our Pet-ID policies are only available to residents of the UK, the Isle of Man and the Channel Islands. We can offer dog and cat insurance to British Forces Posted Overseas, as long as they are serving in Europe and can provide a BFPO mailing address.
To make a claim you’ll need to complete the relevant claim form for the treatment or incident in question. Head to our How to make a claim page for more information including downloadable claim forms.
You must send us your claim no later than 12 months after the date treatment started for your pet’s illness or injury. If you took out a Select policy for your pet and treatment is ongoing, you must make sure that claims are sent to us at least once every 12 months.
We aim to process claims within a week. Please ensure we receive a fully completed claim form with all the information we need to avoid any delays.
Our Select policies provide cover for complementary treatment which includes the cost of treatments such as hydrotherapy, acupuncture and homeopathic medicine. These need to be recommended by your vet, and we’ll pay up to the maximum amount shown on your Certificate of Insurance. We’ll pay for up to 10 sessions of hydrotherapy for each illness or injury.
Unfortunately, our Classic policies do not provide any cover for complementary treatment.
Yes we can pay your vet directly if they are happy to receive payment in this way. Please indicate if you would like us to pay your vet on your claim form.
Many veterinary practices can now submit Pet-ID Insurance claims electronically from their practice management system, which is the fastest way to get the information to us. This means you won’t be out of pocket and they’ll even submit the claim on your behalf. You’ll still be responsible for paying any policy excess to your vet. If you check with your vet and they can’t submit an e-claim, please use our vet fees claim form to submit your claim. On the form, you’ll still be able to request that they pay your vet directly if they agree to receive payment in this way.
Yes. Please call us on 0330 100 7213 to request a copy of your claims history.
Paying for your policy
For a simple and stress free option, you can pay your premium monthly or annually by secure Direct Debit. You can also make a yearly payment using your debit or credit card.
Your first payment will be taken 7 – 10 days after you have taken out your policy with us. If you have any questions regarding your payment details or you wish to change the payment date please contact our customer service team on 0345 070 3421.
Premiums are carefully calculated so what you pay is fair and accurately reflects the likelihood of claiming. The species, breed, location and age of your pet are also some of the factors we’ll take into consideration when calculating your premiums. Pet-ID does not penalise customers for claiming so premiums are not affected by whether you have claimed or not.
The cost of pet insurance can vary enormously and is dependent on a range of different things such as where you live, your pet’s species, age, breed and most importantly, the product you choose. As pet insurance is so specific to each and every pet, there is no fixed cost to insure your best friend so it’s important to make sure you do some research to find out which policy suits you best both in terms of cost and benefits. With so many insurance providers in the market offering pet insurance, it can be difficult to decide which policy is right for you and your pet. Why not check out what insurance products Pet-ID offers and get a quote today.
Yes. If you have two or more pets, you are entitled to a multi-pet discount. Your pets don’t have to be the same species, so if you have a cat and dog we can still offer you a discount.
As a responsible pet insurer we wouldn’t do anything to discourage our customers from getting their dog or cat treated when they are unwell or injured. That’s why when you make a claim we won’t increase your premiums as a result and it’s why we don’t have a no claims discount.
Terms, conditions and excesses apply and may be varied at renewal.
No cover is provided for pre-existing conditions. Cover is available for cats from 6 weeks of age and before their 10th birthday and dogs from 6 weeks of age and before their 8th birthday (5th birthday for some breeds of dog). The Pet Travel bundle covers your pet for up to 90 days per year.
Pet-ID Insurance from Pet-ID Microchips Ltd (The Barn, Danworth Farm, Cuckfield Road, Hurstpierpoint, West Sussex BN6 9GL) is sold, underwritten and administered by Allianz Insurance plc (Registered in England No. 84638. Registered Office: 57 Ladymead, Guildford, Surrey GU1 1DB).
Pet-ID Microchips Ltd is an Appointed Representative of Allianz Insurance plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Registered No. 121849. Pet-ID Microchips Ltd is not part of the Allianz (UK) Group.