Frequently Asked Questions

Got questions? Hopefully you will find the answer below.

Will there be any charges for amending or cancelling a policy?

Charges for amending or cancelling a policy may vary between Pet Insurance providers. Please refer to your insurers Terms of Business for details about their charges and fees.

What is co-insurance / co-payment excess?

Under the terms of a policy with a co-insurance element, in the event of a claim the pet owner is charged a percentage of the remaining vet fees after the excess has been deducted.  The percentage can vary from policy to policy, but 10% or 20% is common.  The insurance firm then meets the majority of the cost (see policy terms & conditions for details).

Total amount claimed

£385.00

Less fixed excess at £85.00

£300.00

Less 10% co-insurance

£30.00

Amount payable following deductions

£270.00

How will you use and store my data?

All data is handled in accordance with the Data Protection Act (DPA) and all data will not be kept for longer than necessary. We will use the data that you provide to offer you a list of quotes from insurance providers and to send you confirmation of quotes. We may also monitor the use of the site to prevent fraud and to help improve our website. For information about our privacy policy, please read our Privacy and Cookie Policy.

Can you pay my vet fees direct?

All insurers on GoGetIt can arrange to pay most veterinary surgeries directly in the case of a vet fees claim. Please ask your vet if they are happy to do this, and your insurer will take care of the rest.

What’s third party liability insurance for dogs?

Third party liability insurance provides cover if you have legal liability should your dog cause accidental injury to a third party or damage to someone's property. It can also pay for the bills if you're required to defend yourself in a legal case involving your dog (see your policy terms & conditions for details).

Can I get insurance for pets other than cats and dogs?

GoGetIt currently offers pet insurance comparison quotes for cats and dogs only

How do I make a claim?

Your insurer will email your documents to you free of charge. Should you not receive your policy documents after taking out your policy, please contact your insurer.

How do I access my electronic documents?

Your insurer will email your documents to you free of charge. Should you not receive your policy documents after taking out your policy, please contact your insurer.

Can I change my level of cover?

Most policies allow you to change cover level at any time but some only allow cover changes at the renewal date of your policy. Consideration will be given to previous claims you have made under the policy. Please contact your insurer for full details.

When will my first Direct Debit payment be taken?

Your insurer will take the first payment 7 - 10 days after you have taken out your policy and not before the start date of your policy.

Does paying monthly cost me more?

No, none of the policies quoted on GoGetIt cost extra to pay monthly.

How can I pay for my policy?

You can either pay for your premium annually by debit/credit card or monthly by direct debit (subject to acceptability criteria).

What is co-insurance / percentage excess?

Under the terms of a policy with a co-insurance element, in the event of a claim the animal owner is charged a percentage of the remaining vet fees after the excess has been deducted.  The percentage can vary from policy to policy, but 10% or 20% is common.  The insurance firm then meets the majority of the cost.

Total amount claimed

£385.00

Less fixed excess at £85.00

£300.00

Less 10% co-insurance

£30.00

Amount payable following deductions

£270.00

What is a policy excess and how much is it?

All pet insurance policies carry a policy excess which is a fixed amount that you pay towards the cost of a claim.  There is no set level of policy excess so they vary from one product/provider to another.  Some policies apply the excess on a per condition basis and others on a per condition per policy year basis (see policy terms & conditions for details).

Should my pet be micro-chipped?

Micro-chipping is hugely beneficial in helping to reunite pets with their owners.  Whilst this has previously been voluntary, from the 6th April 2016 all dogs in England are legally required to be micro-chipped and their details registered on one of the authorised databases.

Do I have to have my pet vaccinated before I can take out pet insurance?

No, vaccinations do not have to be up-to-date to qualify for most pet insurance products however, all policies quoted on GoGetIt will not cover conditions that your pet could be protected from if they had been vaccinated. Furthermore, you do have a duty of care to look after your pet which means that you should take it to the vet for a health check on an annual basis.

Can I get cover if my pet has had previous medical conditions?

Policies quoted on GoGetIt do not cover conditions that occur before the policy start date or during the initial policy waiting period (see policy terms & conditions for further details).

Is there an age limit on the policy?

Your pet must be at least 5 weeks old at the start date of the policy in order to get a comparison quote on GoGetIt. The majority of our insurer’s policies don’t have an upper age limitations however, some benefits (such as death from Illness) may have an upper age restriction (see your policy terms & conditions for details).

Are all pet insurance policies the same?

No, the product offerings vary dramatically. This is both in terms of the monetary (£) benefit limits as well as the actual product concept which applies to how the veterinary fees benefit applies (see below).

  • Accident only – Covers vets fees following an accident/injury only (but not illness) up to the policy benefit/limit per condition
  • 12 Month / Time limited – Covers vets fees following an accident, injury & illness up to the policy benefit/limit per condition for the first 12 months from the on-set of the condition
  • Maximum benefit / Benefit limited - Covers vets fees following an accident, injury & illness up to the policy benefit/limit per condition with no onward time limit
  • Lifetime - Covers vets fees following an accident, injury & illness up to the policy benefit/limit per condition with no onward time limit - the policy benefit re-loads at each annual renewal date of the policy

Ongoing cover is subject to the ongoing payment of premium. The policies do not provide cover for treatment that occurs after the policy is lapsed or cancelled. Please see your policy terms and conditions for further information.

 

For further details around pet insurance product definitions, please visit the Association of British Insurers (ABI) website. The ABI have written a very helpful ‘Pet Insurance Consumer Guide’ (please use the below link):

https://www.abi.org.uk/Insurance-and-savings/Products/Pet-insurance

How much will pet insurance cost?

The cost of pet insurance can vary significantly across the various providers and is dependent on a number of factors including (but not limited to) your pet's breed, age, where you live and neutered status. The other main consideration in calculating the premium is the product and level of cover you choose.

Why do I need pet insurance?

Your pet is an important part of the family but there is not a National Health Service to help them.  With up to 1 in 3 pets(1) needing to visit the vets each year following an accident, injury or illness and the average cost of each visit running at £450.00(1), it is no wonder that more and more responsible pet owners are insuring their loved ones to protect themselves from these unexpected and unbudgeted costs.

Whilst £450 is the average cost, some conditions / treatments can run in to many thousands of pounds – for instance:

  • £4,300 – Paid for a broken leg(1)
  • £3,066 – For an eye condition(1)
  • £3,890 – For hip dysplasia(1)

As well as vets fees, some pet insurance policies can cover a number of other benefits including death, theft, straying, third party liability (dogs only), advertising & reward costs, kennel/cattery fees and even for trips abroad (see policy terms & conditions for details).

1Source – pet claims handled by UIS in 2015

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