Frequently asked questions
Pet insurance helps protect you from unexpected vet bills. It will usually pay for things like consultations, treatments, complementary therapies and even some treatment foods. Paying for pet insurance could mean you're protected from many of these expenses while your pet gets the treatment it needs. Dog owners should also think about the legal costs or damages they may be liable to pay if their dog causes injury or an accident. This could run to thousands of pounds.
Most breeds of cat or dog can be insured once they are eight weeks old (as long as the dog is not listed under the Dangerous Dogs Act).
Pets with aggressive tendencies
Pets used for racing, coursing, commercial security and commercial breeding
Dogs currently listed under the Dangerous Dogs Act
- American Pitbull Terrier
- Dogo Argentino
- Fila Braziliero
- Japanese Tosa
- Pit Bull
- Pit Bull Terrier
- Wolf or wolf hybrid
- A dog crossed with these breeds
- Any animal registered under the Dangerous Dogs Act 1991 and The Dangerous Dogs (Northern Ireland) Order 1991, Dangerous Dogs (amendment) Act 1997, or any subsequent amendments – or a dog crossed with any of these.
Please call 0800 014 7221 (Monday to Friday 8am to 8pm, Saturday 9am to 5pm) for help.
We provide cover for most cats and dogs providing they are over eight weeks old with no upper age limit. variable excesses may apply.
A range of factors could affect your premium and cover. These include (but aren’t limited to)
- The age of your pet. Older pets are more likely to need medical treatment and very young animals may not have a fully developed immune system
- Your pet's breed. Pedigrees can be more likely to need treatment
- Where you live. Vet prices may vary across the country
You can pay in a number of ways – whatever suits you best. You can either pay in one go, or you can pay by Direct Debit each month (at no extra charge).
No, we can’t cover a condition that already exists when you start the plan. A pre-existing condition is any symptom or condition that has occurred or existed in any form before the start date of the policy – or any symptom or condition that occurs during the first 14 days of your plan.
The Silver package covers up to £3,500 for dogs and £2,500 for cats – helping pay for all illnesses and accidental injuries over the lifetime of your pet. If this limit is reached during the policy year, no further claims will be paid that year. If you renew your policy and continue to pay your premiums and the insurer invites renewal, that illness or injury will be covered again the following year. There's no limit on how many times the illness or injury will be covered in this way. Gold cover offers higher pay-out amounts for all illnesses and accidental injuries, and is renewable on a yearly basis. Just like Silver cover, there's no limit on how many times the illness or injury will be covered. The Bronze package covers illness for a period of 12 months. After 12 months that illness will not be covered again.
All normal charges for your pet’s treatment for an injury (carried out by a vet while you plan is running) will be paid. Cover is provided up to the policy limit and with a 12-month time limit, subject to your premiums being up to date.
The Bronze package covers your pet for 12 months. If your pet becomes ill, they'll be covered to the vet's fee limit, for each condition and with a 12 month time limit subject, if your premiums are up to date. If your pet still needs treatment for the same condition after the 12 months have passed, they will not be covered. Cover begins from the first clinical signs of illness.
The Silver and Gold packages offer lifetime cover. If your pet becomes ill they will be covered up to the policy limit and reinstated on an annual basis. If your policy is renewed and your premiums are up to date, there’s no limit on how long you can claim for each illness or injury.
SunLife Pet Insurance tries to cover as many conditions for cats and dogs as possible. Here are some of the events that are not included (you can look at the policy wording for full details and for other exclusions that may apply)
- The costs of treating an illness or injury that first shows clinical signs or occurs within the first 14 days of cover
- Routine examinations, vaccinations and preventative treatments
- Any medical condition that your pet had before cover was started (pre-existing conditions)
- Dental treatment except as a result of an accident
Call 0333 777 3642 (Monday-Friday 8am to 6pm and Saturday 9am to 2pm) and a personalised claim form will be sent to you with your details already completed. The vet can also be paid direct if they have the capability set up. If the vet you use isn’t able to offer this facility (or you have already made payment to the vet) you'll be sent a cheque.
You’ll need the following information when you call
- Policy number
- Pet's name
- Nature of claim
Please keep all receipts and invoices you want to claim for, and send them to us with your completed claim form and any other documents that support your claim. You can find full details on how to make a claim in the policy wording.
Claim payments can be sent directly to your vet, as long as they’re happy with this. You can state who should receive the claim payment on the claim form. If you would like your vet to be paid directly, you should pay the excess to the practice first.