Pet Insurance FAQs

Quickly learn answers to most Frequently Asked Questions about Allianz Pet Insurance
here.
We offer cover for Cats and Dogs.
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.
Yes, but the illness or injury that they had before taking out the policy will not be covered.
The inception date is the date cover begins on your policy. Cover for injury starts immediately on the day of the
inception date. Cover for illness starts 14 days after the inception date.

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.

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

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.

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.

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

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.

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

 

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.
 

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.
 

Please note: You must provide formal proof of purchase and, where applicable, a pedigree certificate in order to claim
under this section of the policy. 
 

If you cannot provide this, the maximum amount payable will be limited. Please see your schedule for details.

We will cover the price you paid for your pet up to €1,500 if it is stolen or goes missing during the policy year and is not
recovered or does not return.
 

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.
 

Please note: You must provide formal proof of purchase and, where applicable, a pedigree certificate in order to claim
under this section of the policy. 
 

If you cannot provide this, the maximum amount payable will be limited. Please see your schedule for details.

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.

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.

Policy terms and conditions apply.

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, other voluntary excesses are available. 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.

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.

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.

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.

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:

  • Distemper
  • Hepatitis
  • Leptospirosis
  • Parvovirus
  • Kennel Cough

Cats:

  • Feline infectious enteritis
  • Feline leukaemia
  • Cat Flu
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.

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.

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, other voluntary excesses are available. 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.

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.

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

It is important to select the right Breed Type when you are arranging cover for your dog:
 

  • Purebred is when both parents are the same breed.
  • Crossbreed is when the parents are two different pure breeds.
  • Mixed-breed is when your pet is a mix of 3 or more breeds, or an indeterminate breed.
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.
An excess is the first amount of any loss that you are responsible for in the event of making a claim. This amount is
m 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, other voluntary excesses are available. 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.
No, there is no limit to the number of claims you can submit. However, monetary limits may apply depending on the
claim type.

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.

Our standard policy excess for veterinary fee claims is €100, other voluntary excesses are available. Our standard
policy excess for 3rd party property claims is €350. Please refer to your schedule of insurance, policy booklet, or
contact us directly.

Policy terms and conditions apply.
If there is no formal proof of purchase, the maximum amount you can claim for under the Death benefit or Theft
benefit is limited to the average value, based on our records, of a pet of the same breed/gender and age, up to a
maximum of the sum insured noted on your policy.