Insurance scrutiny
What UK pet insurers actually cover — exclusions, sub-limits, and claim payout rates, alongside who owns them. This is not a quote or premium comparison.
Exclusions: Pre-existing conditions; breeding/pregnancy costs; dental unless an add-on is purchased (sample wording — illustrative, not the insurer's current policy document)
Sub-limits: Per-condition vet fee benefit capped per policy year, tier-dependent (sample figure — illustrative, not verified against current terms)
Claim payout rate: 97%
Exclusions: Pre-existing conditions; routine/preventative care; dental unless an add-on is purchased (sample wording — illustrative, not the insurer's current policy document)
Sub-limits: Per-condition vet fee benefit capped per policy year, tier-dependent (sample figure — illustrative, not verified against current terms)
Claim payout rate: 91%