You can choose policies to combine these three types of cover as desired.
This type of insurance covers injuries caused by an accident. Think: broken bones from car accidents, scratches from fighting with other animals, burns or snake bites.
However, this policy does not pay out for all types of accidents. Tick and flea bites are often excluded. Injuries due to a pre-existing condition are also often excluded.
This type of policy is best suited to a new pet that has no pre-existing health conditions.
Accident and illness cover will protect your pet from accidents, as well as sickness or disease. Your furry friend will be covered for conditions such as cancer, infectious diseases, hereditary illness, and skin conditions.
There are some common exclusions to this policy. Pre-existing conditions are generally not covered, as well as diseases where there is a known vaccine.
This type of policy is best suited to pet breeds that often experience health problems.
Comprehensive cover protects your four-legged friend against the aforementioned accidents and illness, but also includes routine care. Routine care gives your fur baby access to preventative health treatments, such as desexing, dental care, and vaccinations.
This type of policy is best suited to an ageing pet and one that is susceptible to problematic health conditions.
Like other insurance, pet cover policies will often let you choose your own extras. Some policies will let you pick and choose only the routine care cover you want and may offer other benefits. Consider each on its own merits, and look for the ones you want or are more likely to use.
Just like any other insurance, pet insurance doesn't cover everything. Here are some common exclusions: