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Pet Insurance FAQs

Pet Insurance FAQ's

Please note: Our pet insurance policy document is available at the bottom of the page for you to download.

Coverage

Type of Pets

What type of pets do you cover?

We offer cover for Cats and Dogs.

Minimum Age

How old does my pet have to be?

You can take out a policy to insure your pet from when they are 8 weeks old up to their 8th birthday. If you are insuring one of the select breeds you must insure your pet by their 5th birthday. A full list of our select breeds can be found in Your Policy Document.

Previous Injury or Illness

My pet has been ill or injured before, can I get cover?

Yes, but the illness or injury that they had before taking out the policy may not be covered. If you would like to know if an exclusion would be placed on your pet, just send in a full clinical history and our veterinary team will let you know if a restriction in cover will apply.

Cover Start Date

When does my cover begin?

Cover for injury starts from the inception date of your policy. The inception date is the date cover begins on your policy. Cover for illness starts 14 days after the inception date.

Lifetime Cover

What does lifetime cover mean?

Our Pet Insurance Policy covers injuries and illnesses for life once the policy is renewed each year and as long as the injuries /illness did not show clinical signs before the insurance cover first started with Allianz. This is important if your pet gets an on-going condition like arthritis, diabetes, a heart or skin condition. We cover this condition every year as long as you continue to renew the policy.

With lifetime cover, there is no time limit on how long you can claim for each illness or injury, no matter how ill your pet may become or how much you have claimed in the previous year. Cover for illness or injury simply does not end, as with 12 month or maximum benefit policies. All you have to do is renew the policy each year and the full veterinary fees benefit is reinstated.

Specific Condition Exclusions

Do you exclude specific conditions?

No, only pre-existing conditions or illnesses which show clinical signs within the first 14 days of the policy are excluded.

Pregnancy Related Treatment

Do you cover treatment related to my pet’s pregnancy?

No. Pregnancy is not considered an illness or injury. We do not cover any complications from the pregnancy or anything to do with giving birth.

Behavioural Problems

My dog has a behavioural problem, am I covered?

Yes, we cover your pet to attend a behavioural specialist if they develop a behavioural problem e.g. separation anxiety, as long as the signs/ problem were not present prior to inception (the date your policy begins) or within the first 14 days of your cover starting.

We may exclude third party liability from your policy if your pet has ever shown any signs of aggression or any vicious tendencies.

Cover Abroad

Is my pet covered abroad?

We cover up to 30 days per policy year in Northern Ireland, UK, Channel Islands or Isle of Man, as long as the purpose of the travel is not to seek medical treatment.

Policy terms and conditions apply.

Dangerous Breeds

My dog is a breed listed as dangerous under the Control of Dogs Act, can I get cover?

Yes, we cover some of the breeds listed under the Control of Dogs Act.  However, they must adhere to the rules under this act for cover to be in force. e.g. they must be muzzled at all times in a public place and on a strong lead. This is especially important in the event of a Third Party Liability Claim.

Adding a 2nd Pet to your Policy

I’ve gotten a 2nd pet can I add them to my policy?

Yes, Congratulations! You can have up to 5 pets on one policy. Just give us a call to put them on cover and we can issue you an additional pet’s form and we’ll give you a quote for how much it will cost to add the additional pet. Mid term adjustment changes may apply. I If you have 3 or more pets on the one policy you are entitled to a multi pet discount.

Third Party Liability Cover

What is covered under the Third Party Liability cover?

If property is damaged, or someone is killed, injured or falls ill as a result of an incident involving your pet during the policy year, we will pay up to €250,000 for the following:

  1. compensation and costs awarded against you by a court; and
  2. if we agree, the legal cost and expenses for defending a claim against you.

Our standard policy excess for 3rd party property claims is €350. Please refer to your schedule of insurance, policy booklet, or contact us directly if you wish to query this amount.

General Check-Ups, Vaccinations, Neutering

Do you cover general check-ups, vaccinations or neutering?

No, unfortunately these are not covered under Allianz Pet Insurance policy as they are considered routine preventative treatments.


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Benefits

Death Benefit

What is covered under the Death Benefit?

We will cover the price you paid for your pet if it dies or has to be put to sleep by a vet during the policy year as a result of an injury caused by an accident or as a result of an illness.

The maximum amount payable under this section is displayed on Your Policy Schedule. For pedigree dogs; you may be required to provide proof of purchase to receive the full benefit.

Further details of this benefit can be found in Your Policy Document.

This benefit does not apply if the death is as a result of illness or disease in any select breed pet aged 5 years or over, or for any other pet aged 8 years or over.

Theft and Straying Benefit

What is covered under the Theft and Straying benefit?

We will cover the price you paid for your pet up to €1,000 if it is stolen or goes missing during the policy year and is not

recovered or does not return. If you did not pay for your pet or have no formal proof of how much you paid, we will pay the market value of your pet up to €1,000.

We also cover the cost of advertising if your pet is stolen or goes missing, and the offer of a reward for the recovery of your pet. This amount must first be agreed with Allianz and is covered up to €500.

Policy terms and conditions apply.

Holiday Cancellation Benefit

What is covered under the holiday cancellation benefit?

We will cover the following up to €1,000:

  1. Any travel and accommodation expenses you cannot recover if you have to cancel your holiday during the policy year because your pet is injured or unwell. This cover applies if your pet shows the first clinical signs of an illness up to 7 days before you leave and if your pet requires immediate life-saving surgery.
  2. If your pet is staying in the Republic of Ireland during your holiday, we will cover any travel and accommodation expenses you cannot recover if you have to cut short your holiday during the policy year because your pet:
    • goes missing; or
    • is injured or shows the first clinical signs of an illness while you are away and requires immediate lifesaving surgery.

Policy terms and conditions apply.

Boarding Kennels Benefit

What is covered under the boarding kennels benefit?

We will cover the following costs for the duration of your hospital stay up to €1,000:

  1. The cost of boarding your pet at a kennel or cattery; or
  2. A daily rate towards the cost of someone looking after your pet but only where this person does not live with you. The amount of this daily rate is displayed on your schedule.

Policy terms and conditions apply.

Vet Fees Benefit

What is covered under the Vet fees benefit?

We will cover the cost of any treatment your pet has received during the policy year for an illness or injury up to €4,000.

Our standard policy excess for veterinary fee claims is €100. Please refer to your schedule of insurance, policy booklet, or contact us directly if you wish to query this amount.

You may also be required to pay a percentage of each claim, depending on your pet’s age. If this applies, it will be shown on your schedule of insurance.

Policy terms and conditions apply.

€4,000 Vet Fees Benefit

Is the €4,000 vet fees benefit renewed each year?

Yes, provided you renew your policy the full Veterinary fees benefit will be reinstated.

Our standard policy excess for veterinary fee claims is €100. Please refer to your schedule of insurance, policy booklet, or contact us directly if you wish to query this amount.


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Vet Related

Visits to the Vet

Does my pet need to see the vet every year?

Yes, your pet must be taken care of, have a yearly health check and dental examination and any treatment normally recommended by a vet to prevent an illness or injury.

Vaccinations

Does my pet have to be vaccinated?

Yes, your pet must be vaccinated against the diseases listed below. We will not cover the treatment of one of these conditions if your pet has not been vaccinated against them.

Dogs:Cats:
DistemperFeline infectious enteritis
HepatitisFeline leukaemia
LeptospirosisCat Flu
Parvovirus 
Kennel Cough 

Choice of Vet

Can I go to any vet?

Yes, but they must be willing to complete a claim form and provide a full clinical history for your pet. We cover Veterinary Clinics and Referral Hospitals within the Republic of Ireland; however we may not be able to pay them all directly.

Paying your Vet Directly

Can you pay my vet directly?

Yes, however this is at your vet’s discretion. Your vet may ask you to pay them in full.

We also reserve the right not to pay your vet directly.

Vet Fees Benefit

What is covered under the Vet fees benefit?

We will cover the cost of any treatment your pet has received during the policy year for an illness or injury up to €4,000.

Our standard policy excess for veterinary fee claims is €100. Please refer to your schedule of insurance, policy booklet, or contact us directly if you wish to query this amount.

You may also be required to pay a percentage of each claim, depending on your pet’s age. If this applies, it will be shown on your schedule of insurance.

Policy terms and conditions apply.

€4,000 Vet Fees Benefit

Is the €4,000 vet fees benefit renewed each year?

Yes, provided you renew your policy the full Veterinary fees benefit will be reinstated.

Our standard policy excess for veterinary fee claims is €100. Please refer to your schedule of insurance, policy booklet, or contact us directly if you wish to query this amount.

General Check-Ups, Vaccinations, Neutering

Do you cover general check-ups, vaccinations or neutering?

No, unfortunately these are not covered under Allianz Pet Insurance policy as they are considered routine preventative treatments.


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Other

Pure Breed, Crossbreed, Mix Breed

What is a pure breed/Pedigree dog? What is a crossbreed dog? What is a mix breed dog?

  • Pure Breed/Pedigree is when both parents are the same pedigree breed. The pet does not need to be registered.
  • Crossbreed is when both parents were different pedigree breeds.
  • Mixed-breed is when your pet is a mix of more than 3 breeds or an unknown breed.

Clinical History

What is a clinical history?

This is a chronological record (computer printout or photocopy) of the original clinical notes as made by the vet at the time of all consultations. This includes routine visits such as vaccinations and neutering. If you have attended more than one vet, we would need the clinical history from all treating vets.

Excess

What is an excess?

An excess is the first amount of any loss that you are responsible for in the event of making a claim. This amount is deducted from the total claim settlement figure.

For Pet insurance, the excess must be paid by you for each illness or injury that is treated during the Policy Year. This illness or injury must not be related to any other Illness or Injury treated during the same Policy Year.

You may also pay a percentage amount on each and every Veterinary Fees claim depending on the age of your pet. This percentage is shown on Your Schedule if it applies.

Our standard policy excess for veterinary fee claims is €100 and our standard policy excess for 3rd party property claims is €350. Alternative excesses are also available. No excess applies to 3rd party injury claims, boarding & kennels claims, theft and straying claims, holiday cancellation claims, or death claims. Please refer to your schedule of insurance, policy booklet, or contact us directly if you wish to query these amounts.

One excess will apply for each illness or injury during the same policy year. That means if the treatment for the same condition falls within 2 different policy years you pay an excess for each year.

Number of Claims

Is there a limit on the number of claims I can submit?

No, there is no limit to the number of claims you can submit. However, monetary limits may apply depending on the claim type.

Standard policy excess of  €100 applies. Please refer to your schedule of insurance, policy booklet, or contact us directly.


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Contact Us

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Direct Sales & Customer Service:
Phone: 01 448 48 48
E-mail us
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