Most claims are made to recover the expenses paid by you at the time of the emergency treatment. This normally means you will need to pay up front and then claim the money back using the relevant claim process. See if your chosen pet insurance company offers an average pay out time from previous clients.
Remember that an insurance policy to protect you from the unexpected so trying to guess what may happen over the next 12 months may be false economy. Only by evaluating every option can you make an informed decision, when buying your next pet insurance policy.
The normal perception is that all pet insurance only cover cats and dogs. But some companies offer cover for rabbits, horses and oriental pets too, such as reptiles. If you are looking to cover something other than a cat or dog, search through the companies to see what is available.
You can choose a time limited plan or a lifetime pet insurance plan. Sometimes an illness or serious accident could mean your pet requires treatment for the rest of their life. A lifetime pet insurance plan will cover you for the rest of its life, a time limited plan will not. Not all companies offer the chance to choose on this issue.
Each pet insurance company will have a guide on the minimum age it will allow cover for each type of animal to the maximum age for each animal. A typical time scale for a pet dog, could be from 6 weeks old until it is eight years old. Cats often have a longer timescale. This is just an example; your chosen pet insurance may be different.
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