With PEThealthcare Pet Insurance from Royal & SunAlliance, you won't have to worry about unexpected vets' fees and bills - it will cover you for each and every new accident and illness, including emergency consultations, X-rays, operations and medication. You can pay monthly or annually by Direct Debit, or annually by credit card.

PEThealthcare - Pet Health Insurance

Peace of mind: for each and every accident and illness, including emergency consultations, X-rays, operations and medication.
Lost your pet? Up to a substancial amount towards advertising and a reward to help you recover a lost or stolen pet.
In hospital for a week? Boarding fees for your pet.
Accident alert? All or some of the price of your pet if he/she has a fatal accident, and cover after a fatal illness for pets under 11 years of age.
Plus: third party liability insurance for dog-owners in case your dog causes an accident or damages someone else's property.

PEThealthcare - All pet insurance policies are different and it's important to understand your policy and make sure it suits the needs of both you and your pet.

If you would like to know more, here are answers to some of the most commonly asked questions about pet insurance policies. And, remember — you may cancel the policy within 14 days if you decide it's not for you.

My pet's not a recognised breed. Will PEThealthcare Pet Insurance still cover me?
Yes, their insurance is designed to cover ALL types of cats and dogs. That's because your Heinz 57 is just as likely to cause an incident as a pedigree, any type of pet can stray or go missing and of course, vet's bills don't take pedigree into account. What's more, the policy also covers the purchase price of your pet – whether they were bought from a pedigree breeder or a rescue centre.

Do you stop offering cover as my pet gets older?
No, and they don't refuse cover for senior pets either. Once your pet's policy has been issued, they can be covered for life. The only benefit that stops is when your pet is 11 years old, they won't give you back the purchase price if they die or have to be put to sleep through illness or natural causes. All the other benefits continue.

My pet has had medical problems in the past – will you still be able to offer cover?
Yes, but you will need to call them to discuss details of your pet's previous treatments or problems so they can assess the liability. In most cases they can issue a policy although it may have a special exclusion – this could be related to a specific condition or to a limb or organ that has caused past problems.

Does the cost of cover increase as my pet gets older?
No, your insurance won't go up as your pet gets older or if you make a claim (no matter how many claims you make). They also don't charge more for larger breeds.

Are there any dogs you won't cover?
Unfortunately, we can't offer cover for the following kinds of dog (or cross-breeds):

Racing Greyhounds
Any dogs used for trade or business such as security guard dogs
American Pit Bull Terriers
Japanese Tosas
Dog Argentinos
Fila Braxilieros
Wolf hybrids

Will all my vet's bills be covered?
No. PEThealthcare Pet Insurance is there for the unexpected so it's important to be aware that routine costs – vaccinations, boosters, worming treatment, nail-clipping and so on – won't be covered. Your pet will be covered for new medical problems but not for anything that first arose before you took out the policy.

Will there be any delays if I have to claim for treatment by a vet?
No, you can look forward to prompt and fuss-free claims service from them. If you'd like a claims form, you can contact them by freepost, telephone or email. They will post the claim form immediately and this should be filled out by your vet. As long as we've got all the details they need, most claims are processed on the day the form is received. If you have any problems or queries, their staff are knowledgeable and helpful. You may also find it useful to read the policy terms and conditions.

If I claim, will that affect my insurance?
Generally, no. Many insurance companies add exclusions when you renew your policy but PEThealthcare won't add extra ones after you've made a claim. In fact, once they have accepted liability for a condition or illness, you can carry on claiming up to the maximum amount of benefit for that condition – however long that takes.

http://www.pethealthcare.co.uk