Our Covered For Life® policies are designed to cover long-term, chronic or recurring illness, as well as short term illness and injury. As long as the policy is renewed each year without a break, we will continue to provide cover for conditions such as diabetes or arthritis which require treatment over a long period of time, often for life. Other insurance policies, such as time-limited policies, will limit the time you can claim for each illness of injury.

Time Limited Pet Insurance, such as our 12 month Essential policy, is designed for pet owners requiring a less comprehensive policy. It is important to remember that each illness and injury on our Essential policies are covered for a maximum of 12 months. Should your dog suffer from the same condition again you will not be able to claim for it.

We know that pet health is complex. For this reason we underwrite all policies at the start of cover and will confirm whether any pre-existing conditions your pet has will be covered by your policy or not. You may have seen specific pre-existing condition policies being offered by other insurers, but it’s worth checking the cover provided because in some instances you would actually have more cover for a pre-existing condition on your standard policy.

When you take out a policy with us, you must tell us about any previous or existing conditions, illnesses or injuries, and we will then confirm whether we can provide cover for these on a case-by-case basis. We may tell you that we can only insure a condition when your pet has been free from it for a certain amount of time, for example.

We will be transparent about what is and isn’t covered, and will include this information in your Certificate of Insurance and terms and conditions.

We’ll cover the treatment of a dental injury and illness providing your pet has had a dental examination by a vet within 12 months prior to the onset of the dental injury or illness and that any treatment recommended was carried out within three months of the examination.