Pet Cover Direct

Frequently asked questions

Third party liability

As the owner, you are responsible for the actions of your pet. If your pet was to injure a child or another animal you may be liable for compensation claims. You could also be liable for the costs if your pet causes damage to someone's property. This makes it wise for you to consider third party cover so that you have financial cover in place and help with legal issues.

Excess fees

Excess fee insurance is a way in which any excess you have to pay in the event of a claim on your pet insurance policy can be recovered. It is often cheaper to have a high excess on your insurance policies and then have the necessary excess insurance - the savings can be significant.

Multiple pets insurance

Many pet lovers have more than one pet and it is likely that you can will be able to get cover for all of them on one policy cheaper than insuring them individually. 

How do you calculate quotes?

Each insurance company will be different but on the whole you can calculate each of your quotes individually, this is because they will probably look at your pets breed, age and sex and where you live when they calculate your quote. This is a good thing as it means you should be able to get a competitive quote.

What are the age limits?

Again this will vary from policy to policy, but in general most policies will take on your pet at 8 weeks of age and from any age afterwards. Some less expensive policies will only cover your pet up to a certain age - and this should be considered carefully as the older your pet gets the more likely it may need veterinary treatment. You might find with some policies that as your cat or dog gets older (often nine for a dog and 11 for a cat) you will no longer be eligible to get money back if they die from an illness or natural causes, or if they have to be put down due to non-accidental circumstances.

What does pre-existing condition mean?

This is a phrase that refers to an illness ot condition that you are aware that your pet has before you take out an insurance policy. 

Are pre-existing conditions covered?

This will depend on the details of your individual pet insurance policy and is something you will have to check carefully with your chosen insurance company. More expensive policies may cover you for costs associated with pre-existing conditions. Your vet will be required to sign insurance claims for you so it is important that you declare pre-existing conditions. 

Changing cover

If you want to move your pet insurance policy to a new provider you will probably have to wait until the annual renewal date. If you want to extend the level of cover you have - and what your policy covers - you should talk to your insurance company about the changes you want. They may be able to increase your level cover partway through the year in return for a higher premium. 

Are all breeds of dog covered?

Most general pet insurance policies are unlikely to cover the following types of dogs due to the special risks they attract. 

  • Wolf or Wolf hybrid
  • Fighting dogs
  • Security or guard dogs
  • Racing dogs
  • Dogs used for business work
  • American bulldogs
  • Dogs used for breeding


Specialist insurance can be sourced for racing, breeding and security dogs, but dogs that are subject to the Dangerous Dogs Act legislation are unlikely to be covered, as are cross breeds of the following breeds:

  • Pit Bull Terrier
  • Fila Braziliero
  • Japanese Tosa
  • Dogo Argentino


Are all my vet fees included?

Insurance policies only tend to cover costs for treating illnesses or injuries that have arisen since you have taken out the policy. They are intended to protect you against unexpected expenses related to the health of your pet. This means that the costs of routine checkups, vaccinations, worming, nail cutting etc aren’t included.