Multi-pet insurance: is it actually cheaper?
Multi-pet insurance explained: how it works, the multi-pet discount, whether it is actually cheaper than separate policies, the convenience, and when separate cover is better.
Pre-existing conditions and pet insurance
How pre-existing conditions are treated in pet insurance: what counts, why they are excluded, the importance of insuring young and keeping cover continuous, and your options.
How to make a pet insurance claim
How to make a pet insurance claim: getting your pet treated, direct settlement versus pay-and-reclaim, the claim form and clinical history, time limits and challenging a refusal.
Dog insurance: what to look for, and how breed affects cost
Dog insurance explained: why to insure a dog, choosing the right type of cover, how breed affects the cost, vet fee limits, third-party liability, and insuring young.
What pet insurance doesn't cover
What pet insurance does not cover: pre-existing conditions, routine and preventive care, waiting-period conditions, dental, pregnancy, behavioural treatment and costs above your limit.
Pet insurance explained: the types of cover
Pet insurance in plain English: what it covers, why vet bills are so high, the four types of cover, what affects the cost, and excess and co-payments.
Cat insurance explained
Cat insurance explained: why to insure a cat, why cats cost less than dogs but still claim, choosing the right cover, breed and the cost, and indoor versus outdoor cats.
Insuring older and senior pets
Insuring older and senior pets: why it costs more, age limits on new policies, keeping existing cover, the pre-existing condition issue, specialist insurers and managing the cost.
Pet insurance excess and co-payments: how they work
Pet insurance excess and co-payments explained: what each is, how they apply per condition per year, how they combine, why insurers use them, and choosing an excess you can afford.
Switching pet insurance without losing cover for existing conditions
How to switch pet insurance without losing cover: the pre-existing condition trap, when switching is safe or risky, checking a new insurer, not letting cover lapse, and managing cost instead.
Why pet insurance gets more expensive as your pet ages
Why pet insurance premiums rise as your pet ages, how steeply, age limits on new policies, co-payments for older pets, and why switching usually loses cover.
Is pet insurance worth it, or should you self-insure?
Is pet insurance worth it? The case for and against, what self-insuring means and its risks, who insurance suits, who might self-insure, and how to run the numbers.