Policy Cover Scores Explained

Pet insurance companies, as some people know, provide very different levels of cover.

Unfortunately there are many people who really don’t know that going to a price comparison engine and selecting the cheapest policy they can find is not a good idea!

And those that do know that you need to choose your policy carefully often struggle to work out work out what cover is actually provided.

The purpose of our cover scores is twofold. Firstly to give you a quick indicator of the level of cover provided and secondly to act as starting point for you to go on to discover more about the strengths and weaknesses of any particular policy.

So every policy has been assessed in detail and an overall score produced. But we have also published scores for each section of the assessment. These sections are

Vet Fees
Complementary Therapies
Third Party Public Liability
Other Benefits
Small Print
Excess and Contribution Charges
Older Pets

Whilst we the overall score will give you some guide to the amount of cover provided we would highly recommend you then also check the scores for each section as some will be more important to you than others.   For example if you never intend to travel abroad with your pet then it will not matter to you if the travel cover is poor.

The section scores can be found on the review page for each policy. To access this simply go to the policy page and select “Read Policy Review”.

The factors considered in each of the above sections are as follows:-

Vet Fees
(The vet fees score accounts for 50% of the overall cover score).
Type of vet fees cover, Vet fees cover limits

Complementary Therapies
Cover limits, Whether or not the following therapies are covered – physiotherapy, hydrotherapy, herbal medicine, homeopathy, acupuncture, chiropractic treatment, osteotherapy and behavioural therapy.

Third Party Public Liability
Cover limits, Uncommon limitations

Death Benefits: Whether provided, Cover limit, Purchase price or Market Value, Uncommon limitations
Theft Benefits: Whether provided, Cover limit, Uncommon limitations
Advertising Benefits: Whether provided, Cover limit
Boarding Fees: Whether provided, Cover limit, Individual or Family Cover, Whether covers just boarding kennels, professional carers or anybody caring for your pet.
Holiday Cancellation: Whether provided, Cover limit, Whether covers pets requiring “lifesaving treatment” as well as those requiring “lifesaving surgery”, Whether covers pets going missing, Whether covers holidays to all countries.
Accidental Damage: Whether provided
Referral Travel Costs: Whether provided

Travel Cover
Whether provided, Cover limit
Whether covers travel outside EU, whether extends all benefits of the policy to travel abroad, whether provided cover for additional travel risks such as quarantine etc, whether restricts vet fees cover to emergencies only.

Small Print
Type of dental cover provided, whether diet food covered and limits, whether pays for euthanasia, cremation/burial, length of time at the beginning of the policy before full cover is provided, whether includes exclusions for treatment of conditions caused by your pet being overweight, whether has cover limit restrictions on scans and/or cruciate ligament injuries, cancellation rights, any other unusual restrictions.

Amount of standard excess, availability of voluntary excess, amount of contribution (if any).

Older Pets
Age at which pet is treated as “older”. Whether and by how much premiums increase, excesses increase, contributions increase.

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Please note that pet insurance terms often change. Whilst we will do our best to keep this website up to date you must check with the appropriate insurer before making any decisions. If you find any mistakes on this website please do let us know so we can correct it for the benefit of future visitors. Many thanks!


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