Third-Party Liability Cover: The Part of a Pet Policy That Protects You
Accident and illness cover protects the animal. Liability cover protects your savings if the animal injures a person or destroys property. Most…
Twelve Exclusions Nobody Reads Until the Claim Is Denied
Dental cleaning, pregnancy, behavioural therapy, grooming, anal glands, elective surgery. The routine costs owners most often assume are covered and are not.
Renewal Terms: Why the Premium Rises and What You Lose by Switching
Pet insurance is repriced every year against the pet's age and the insurer's claims experience. Switching to escape an increase usually costs…
Bilateral and Hereditary Exclusions: The Clause That Covers One Leg Only
Insure a cruciate repair on the left stifle and many policies will refuse the right. Bilateral exclusion wording is the least-read and…
Deductible and Reimbursement: The Arithmetic Behind Every Payout
A $5,000 invoice does not produce a $5,000 cheque. Deductible, co-insurance and limits apply in sequence, and the order changes the answer.
Annual Limit vs Per-Condition Limit: Which One Actually Runs Out
An annual limit resets every year. A per-condition limit does not. For a chronic illness, the second number is the one that…
What Counts as a Pre-Existing Condition? The Definition That Costs Owners Most
Insurers do not ask whether a condition was diagnosed. They ask whether it showed signs. That difference decides thousands of claims a…
Pet Insurance Waiting Periods: The Days That Decide Your First Claim
Illness cover usually starts after 14 days, accidents after 2 to 5, and orthopaedic conditions after six months. Here is what happens…