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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.