Find the Perfect Pet Insurance Plan

Get cover before your pet's first birthday to avoid pre-existing condition exclusions. Early enrollment often means lower premiums and broader coverage throughout your pet's life.

Lifetime policies refresh annually, covering chronic conditions year after year. Maximum benefit policies stop paying once the limit is reached, leaving you vulnerable to ongoing costs.

Different breeds have different health predispositions. French Bulldogs need breathing issue coverage, while Labradors require joint condition protection. Research breed-specific risks before choosing.

Higher voluntary excess reduces monthly premiums but increases claim costs. Find the sweet spot that fits your budget for both regular payments and potential emergency expenses.

All policies exclude pre-existing conditions, but definitions vary. Some exclude conditions showing symptoms before coverage, others require formal diagnosis. Understanding this prevents claim disappointments.

Maintain comprehensive health records including vaccination dates, previous treatments, and health checks. These records are crucial for claims and future policy applications.