Frequently Asked Questions
On this page we provide a list of answers to the common pet insurance
plan questions. We are responsive to all new questions regarding plan and insurance cover for your pet. Whether it is equine, cat or dog insurance
we can help. If you have a question, please contact us
What is the maximum Veterinary payout per year?
We can pay up to the policy limit (
7500) for each condition. There is no limit on the number of conditions in a year.
Am I covered for ongoing conditions?
YES - Healthy Pets will cover you for eligible ongoing conditions that start after the inception of your policy, up to the maximum benefit of your policy (
7500) subject to you renewing your policy with us and premiums being paid up to date. See the Pet Policy Benefits
for more details.
Do you cover pets for their lifetime?
We will cover your pet for its lifetime up to the maximum amount of benefit for each separate condition. (
7500) subject to you renewing your policy with us and premiums being paid up to date.
Explain exclusions to me.
We cannot cover any conditions which your pet has had symptoms of or received treatment, medication or advice for at any time prior to the policy coming into force or twelve months prior to inception of your pet insurance
and will exclude them at the start of the policy. This will not affect your premium and there is no small print catch with Healthy Pets. See the Policy Summary
for more details.
What happens in old age?
Healthy Pets plan for the future. We will cover your pet for veterinary fees for its lifetime providing you renew your policy each year!
Is alternative medicine covered?
There are times when alternative remedies may be viable options. Healthy Pets covers this within our veterinary treatment benefit when recommended by your vet.
How approachable is Healthy Pets?
A company who make communication simple is likely to make claiming easy too. Healthy Pets is run by animal lovers. You can telephone, e-mail
or even request a claim form
via our web site.
Can you pay my vet direct?
We can either pay the policyholder or your vet direct, providing your vet is agreeable to this. Claims are usually assessed within ten days of receipt of a completed claim form
What excess do I have to pay?
All pets under the age of six will pay a fixed excess of
85 -unless you have opted for the voluntary excess of
All pets aged six or over will pay a fixed
100 excess + a 20% co-insurance fee.
Co-insurance is commonly used across the pet insurance industry as a way to reduce premiums for aging pets. It is a contribution paid by the policyholder towards the amount claimed that is in addition to the fixed excess.
Are there any breeds you cannot insure?
We will not offer insurance on any of the following breeds or any pet crossed with one of the below :
|American Bandogge||Fila Brasileiro|
|American Pit Bull Terrier||Korean Jindo|
|American Staffordshire Bull Terrier||Laika|
|Argentinean Mastiff||Lybian Desert Dog|
|Bandogge Mastiff||Old Tyme Bulldog|
|Boerboel||Pit Bull Mastiff|
|Bully Kutta||Pit Bull Terrier|
|Cane Corsos||Sarloos Wolfhound|
|Czechoslovakian Wolfdog||Tosa Inus|
|Dogo Argentino||Victorian Bulldog|
|Dogue Brasileiro||Wolf Hybrid|
Please bear in mind that this list is not definitive and if you do have any queries in regards to a particular breed; do not hesitate to contact us direct and we will be happy to help.