Pet Insurance FAQs

We offer three different pet insurance cover levels, allowing you to choose the cover that suits your needs and budgets.

Essential Cover

Provides cover for injuries resulting from an accident and liability (dogs only).

Premier Cover

Provides illness and injury cover for up to 12 months.

Premier Plus Cover

Provides lifetime cover for illness and injuries (subject to the terms and conditions of the policy).

Essential Pet Insurance

Provides cover up to the vet fee limit for all covered accidental injuries per policy year. Cover for each injury will continue for a maximum of 12 months from the date which the injury occurred, as long as you have paid the premium to keep the insurance in force. Once the time limit is reached for an injury, there will be no more cover for it. There is no cover for illness under this type of cover.

Our Essential Pet Insurance Cover also provides Third Party Liability (dogs only).

Premier Pet Insurance

Provides cover up to the vet fee limit for all covered illnesses and injuries per policy year. Cover for each condition will continue for a maximum of 12 months from the date which the condition first occurred or started showing clinical signs, as long as you have paid the premium to keep the insurance in force. Once the time limit is reached for a condition, there will be no more cover for it.

The Premier Pet Insurance policy also provides cover for Third Party Liability (dogs only), Death from Accident, Boarding Kennel/Cattery Fees, Theft /Straying, Holiday Cancellation and Lost/Found ads. you can opt to include cover for Overseas Cover which includes Quarantine, Emergency Repatriation and Loss of Passport.

Premier Plus Pet Insurance

Provides cover up to the vet fee limit for all covered illnesses and injuries per policy year. As long as you have paid the premium to keep the insurance in force, cover will reinstate at renewal and all eligible conditions will continue to be covered up to the vet fee limit. This cover is designed for pet owners looking for long-term cover, should their pet ever develop a chronic or recurring condition which requires treatment over a long period of time such as arthritis or eczema.

The Premier Plus Pet Insurance policy also provides cover for Third Party Liability (dogs only), Death from Accident, Boarding Kennel/Cattery Fees, Theft /Straying, Holiday Cancellation and Lost/Found ads. You can opt to include cover for Overseas Cover which includes Quarantine, Emergency Repatriation and Loss of Passport up to the aggregate limit.

Our pet insurance does not provide cover for routine and preventative care like vaccinations, flea, tick and worming treatment or neutering. If you do not have your pet vaccinated and it becomes ill with a condition that a vaccine would have prevented this will not be covered. It is a condition of our insurance that you pet must have an annual health check by a vet.

We are able to offer Pet Insurance at new business for your cat or dog from eight weeks until eight years of age. If you renew your cover each year without a break, there is no upper age limit and we will continue to offer cover for your pet.

Veterinary claims will be subject to a €125 fixed excess which is payable per condition per policy year.

If your pet is aged 5 years or above on the start date of the policy year, there will also be a 15% percentage excess of the remaining amount claimed after the fixed excess has been deducted. Please see example below.(table)

Amount Claimed		€1,500
Less Fixed Charges	-€125	€1,375
Less Percentage Excess	15% of €1,375 = -€206.25	€1168.75
Total Paid to You		€1,167.75
Total Paid by You		€125 + €206.75 = €331.25

If you purchased your policy before 01/06/2018 (or the renewal date is before 01/07/2018), please check Policy Documents (PDF) to view the policy document which details the excesses applicable.

There is no cover for any pre-existing illnesses or injuries with this policy. This includes any illnesses which developed or started showing clinical signs before or within the first 14 days of the policy start date. Injuries which occur before or within the first 48 hours of the policy start date will not be covered.

If you need to make a claim please click on the Claims button on our website or simply call the claims helpline on (01) 4854118. Lines are open Mon-Fri 9:00am – 5:00pm.

The Claims Administrator can arrange to pay most veterinary surgeons directly in the case of a vet fees claim. Please ask your vet if they are happy to do this, and the Claims Administrator will take care of the rest.

If you buy Premier or Premier Plus cover, the policy will cover the cost of complementary treatment (up to the maximum benefit) that results from a valid claim under this insurance which your pet has received during the policy year for an illness or injury. Complementary treatment means: acupuncture, chiropractic manipulation, hydrotherapy and osteopathy. All treatments must be carried out by a vet practice.

Yes, this optional benefit is available on the Premier and Premier Plus polices and will cover your pet for travel within the European Union subject to the terms and conditions of the policy.

Your pet is one of a kind! When the insurer calculates your quote, they use a number of different factors; for example, your pet’s age, sex and breed as well as your postcode to provide a quote that is unique to your pet.

This allows the insurer to keep our prices as competitive as possible. At each renewal, the cost of cover is recalculated, and we will email you with a quote. If you have had a claim paid to you this can impact your renewal price.

Yes, if you have two or more pets then you are entitled to a Multi-Pet discount.

You can pay for your policy in full or by instalment by either credit or debit card. Choosing the monthly instalment method allows you to spread the cost of your policy over the year at no extra charge as this service is interest free.

Yes, we will aim to automatically renew (auto-renew) your policy when it runs out, unless you tell us not to. Each year we will notify you by email 5 weeks before the renewal date of your policy and tell you about any changes to the premium or the policy terms and conditions.

If you do not want to us to auto-renew your policy, just call us on (01) 4854118, otherwise we will collect the renewal premiums from your credit or debit card.

The automatic renewal service relies on your credit/debit card details still being valid. If your credit/debit card details have changed within the last 12 months you must contact us to process the booking over the phone. If you do not receive confirmation of your new policy by your renewal date please contact us.

We work hard to try and minimise any additional charges you may incur in the supply of your policy. We charge a fee of €4.50 for renewals and policies booked online. If you choose to book your policy through our call centre, the fee is €6.00. If you would like a text confirmation with your policy details the fee is €0.99.

Providing you have not made any claims, you have 14 days from the receipt of your policy documentation to cancel if you decide not to continue with the policy cover and you will be refunded your full premium minus the administration fee, which is non-refundable.

If it has been more than 14 days since you have received your policy documents, you can still cancel and receive a partial refund subject to the terms and conditions of your policy if you have paid annually. If you are paying by monthly instalment and you cancel, no further payments will be collected from the cancellation date and there will be no refund of payments already made.

Please note that if you have made a claim on your policy which has been paid, you will not be eligible for a refund of premiums unless your pet has passed away. If you are paying by monthly instalment you will either need to continue making monthly payments or pay the outstanding premium for the remainder of the policy year.