The pet insurance policy is renewed annually and
health-care conditions which have arisen since taking out the pet
insurance policy will continue to be covered; i.e. there are no
exclusions placed on the policy once the animal insurance cover
is in place.
There is a maximum amount the pet insurance policy
will pay out each year for each condition. An excess will usually
be deducted once a year for ongoing conditions and for each new
condition claimed for.
Once insured pets reach a certain age the insurance
premium may rise and the policy excess will increase.
For example: an ongoing skin condition. The policy
is renewed annually and will pay out a maximum amount for the claim
during a 12 month period once you have paid the excess. Where treatment
is ongoing beyond the renewal date you may have to pay the excess
again and then you may claim the full amount again.