asterixcentral.com

Pets can be very expensive to keep but there are other providers in the market that offer cover for the life of the dog. Their premiums are much higher but they are generally a better level of cover. Pet insurance does not cover the costs of everyday care for your pet such as vaccinations and routine check ups, however if you do make a claim on your pet insurance there will be an excess to pay.

If your trip to the vet does not exceed the excess amount you will not be able to submit a claim to the insurance company you have chosen. Most insurance companies require your pets to be routinely vaccinated against various illnesses such as rabies etc.

Within the insurance companies terms and conditions if the animals are not vaccinated and catch for example Flu or Rabies you will not be able to make a claim. This is along similar lines to the critical illness cover you can buy for humans.

If you have had a recent medical issue such as broken bones, cosmetic surgery etc after underwriting and looking at your application an insurance company may choose to defer or postpone making a decision on your case.

This is perfectly normal as the insurance company can not be sure that you will make a full recovery and do not want to take on a risk where the outcome is uncertain. They can postpone your application for as long as they feel necessary and typically you will have to re submit your application or re-apply especially if applying for protection such as Income Protection Insurance

After your postponement you may be offered cover with exclusions or as a worst case scenario you may not be offered any cover at all. Every insurance company is different so if you are not happy with what you have been offered, apply somewhere else as their underwriting rules and criteria may differ and you may end up with a better offer.