How do your pet policies work?
Because we want you to have the flexibility that really suits your lifestyle, we offer five different policy types. Take a look at our handy flowchart to find out exactly how our policy types can benefit you.
Does the policy cover physiotherapy for my senior dog?
Yes, if you have selected a policy that includes veterinary fees. Acupuncture, homeopathic or herbal medicines, hydrotherapy, laser treatment, physiotherapy and ultrasound are included for the treatment of a condition covered by your policy, if recommended by your vet. Limitations apply for hydrotherapy, please see the policy wording.
Does the policy cover prescription diet?
The veterinary fees section on the Time Limited, Maximum Benefit and Lifetime policies includes cover for prescription diet for the treatment to dissolve bladder stones or crystals in urine only. Limitations apply, please see the policy wording.
If my senior dog is not vaccinated can I still arrange cover?
Yes although unvaccinated senior dogs are not covered for: Distemper, Hepatitis, Leptospirosis and Parvovirus. In addition any treatment required for an illness that may have been prevented with a routine vaccination will be excluded (unless the vaccine failed).
Are there any treatments I am unable to claim for?
We will not pay for preventative, cosmetic and routine treatments as well as claims for any behavioural problems. Please refer to the policy wording for full details.
Am I able to claim for any dental treatment for my senior dog within this policy?
Routine treatment such as scaling, polishing teeth and the removal of deciduous teeth are not covered nor are any claims in respect of tooth or gum disease. However we would consider claims due to injury.
Would the policy cover if my dog fell ill a few days after buying the policy?
No, the policy excludes any illness displaying clinical signs within 14 days of the policy commencing. Please refer to the policy wording for details of all exclusions.
Are there any breeds of senior dog you won't cover?
Yes. Please see our list of excluded breeds. All applications are subject to underwriting approval.
Can I insure a crossbreed or mongrel?
Yes. Simply select crossbreed or mongrel when going through the quote process.
What help will my policy offer if my senior dog is lost?
As part of your policy, we offer cover for advertising and reward to help with the cost of getting your dog back. If your dog is not found within 28 days of straying or being stolen from your address we will pay the price paid for the dog, less 50%, for a pet aged over 6 years or more. For neutered dogs up to the age of 6 years, we will pay the price paid for the dog, less 25%. If you are unable to prove a purchase receipt, you will receive a payment of £75.
Each policyholder may choose the Elective Benefit 'The National Pet Register', a 24 hour lost and found service available to help reunite missing pets with their owner.
If my senior dog has a condition which needs ongoing treatment, do I need to wait until the treatment has finished before I can make my claim?
No you do not have to wait, claims should be submitted as soon as the senior dog receives treatment.
My senior dog has suffered medical problems in the past are you still able to offer me cover?
Yes, we can still insure your dog but you are obliged to inform us of any previous medical conditions your dog has suffered from in the past. We do not cover conditions that first showed clinical signs, happened or existed before the commencement date/time shown on the your policy schedule. We also do not cover conditions that first showed clinical signs, happened or existed within the first 14 days of the policy inception. All applications are subject to approval.
What should I do if my senior dog is referred on to a specialist?
Please submit an additional claim form and invoices from the specialist.
Do you cover hereditary conditions?
Yes, as long as the condition doesn't first show clinical signs, happened or existed at the commencement date/time shown on your policy schedule or within the first 14 days of the policy inception.
Do you cover congenital conditions?
Yes, as long as the condition doesn't first show clinical signs, happens or exists at the commencement date/time shown on your policy schedule or within the first 14 days of the policy inception.
At what age does my dog become classed as a 'senior pet'?
When your dog is aged 8 years and older we class it as senior. There is no upper age limit on our senior pet policies.
I'm thinking about taking out more than one pet policy with The Insurance Emporium, will you give me a discount?
Yes, we offer a 10% discount on each subsequent pet policy you take out with us. Total maximum discount is 30%. There is no maximum number of pets that you can insure; multi-pet discounts apply to dogs or cats or a combination of both.
What amount will I have to pay as an excess?
There is no excess except on Vet fees (calculated by policy type and cover level + 15%) and Public Liability £250.
How will the vet bills be paid if my senior dog needs treatment?
When submitting a claim you have a choice, we can pay you directly into your bank account or your veterinary practice. Either way you'll need to inform us directly.
What does Accident Only Mean?
The Accident Only policy provides cover for veterinary feeds for treatment after an injury caused by an accident.
What does Time Limited mean?
The Time Limited policy provides cover for veterinary fees for up to 365 days from the date each injury or illness first showed clinical signs. There are 3 levels of cover available: Bronze, Silver and Gold.
What does Maximum Benefit mean?
The Maximum Benefit policy provides cover for veterinary fees for each injury or illness to the maximum amount available irrespective of the time taken to reach it. Once the amount has been reached, the treatment (condition) won't be covered again. There are 3 levels of cover available: Bronze, Silver and Gold.
What does Lifetime mean?
The Lifetime policy provides cover for veterinary fees for each injury or illness. Cover renews each policy term throughout the life of the pet as long as premiums are kept up to date. There are 3 levels of cover available: Bronze, Silver and Gold.
What does Public Liability mean?
The Public Liability Only policy provides cover for your legal liability to others for compensation costs arising out of your ownership of your dog. Cover is also provided for your expenses of defending criminal proceedings incurred with our written consent.