Pet Insurance Comparison Guide, Information and advice

Annual Cover

The pet insurance policy is renewed annually.

Annual cover may be divided into two categories;

  • Policy will cover a condition for 12 months from the onset of the condition.
  • Some policies may only cover the condition until the renew date.

The insurance policy will pay out a maximum amount for each condition claimed for. An excess is deducted for each condition claimed for. If the period claimed for spans two policy periods an excess may be deducted for each period.

After 12 months any condition claimed for in the previous year will be excluded from the insurance cover.

Once insured pets reach a certain age the insurance premium may rise and the policy excess will increase.

Advantage
Less expensive cover against accidents and short term illness.

Disadvantage
Medium and long term health-care conditions are not covered. In practice this means that if your pet develops a condition which requires ongoing treatment, e.g. a skin condition, it will be excluded after 12 months.

It is worth remembering that any pet health conditions claimed for will be excluded if you decide to upgrade the pet insurance cover.

Insurers who offer Annual cover pet insurance policies.

 
Exotic Direct
Petplan Equine
NFU Mutual Equine
Insure Direct Dog
Animal Friends Insurance Cat (annual)
DBI Direct (now Petplan)
Kbis
NFU Mutual  Pets
PHA Pets
Shearwater Insurance
Animal Friends Insurance Dog (annual)
Insure Direct Cats
Virgin Pet Insurance Accidental Injury
Stoneways Insurance Services
Asda Cat Insurance
Asda Dog Insurance
Direct Line Cat Annual
Virgin Pet Insurance Accident and Illness
Tesco Cat Insurance
RSPCA Pet Insurance
E&L Insurance Cat
Equine and Lifestock
Tesco Dog Insurance
Churchill
Direct Line Dog Annual
Argos Pet Insurance for dogs
Argos Pet  Insurance for cats
E&L Insurance Dog
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