Frequently Asked Questions

Stuff You Need to Know

Frequently Asked Questions about Pet Insurance

Why should I consider Pet Insurance?

It is a reality that one in three pets will need unexpected treatment this year.  As this can be very expensive it is advisable to have an appropriate pet insurance policy.

Do you provide lifetime cover for my pet?

It is important to know that not all pet insurance policies provide lifetime cover (also known as ‘cover for life’).

Some providers limit the cover as with 12 month or maximum benefit policies. At we believe that lifetime cover is an essential element of all good pet insurance.

Our policies cover your pet for life so long as you renew your policy and so long as the insurers agree to renew your policy. This is particularly important if your pet gets a condition which will require ongoing treatment.


Lifetime cover is subject to the terms and conditions of the policy, please read these carefully. As with all Pet Insurance policies the insurer reserves the right to cancel your policy at any time, limit what conditions it will pay for or reduce the amount that they will pay for any given condition.

If my pet becomes very old or very ill, will you still offer to insure him or her?

Pets can be accepted up to the age of 5.

Once insured you may continue your pet’s cover for life with annual renewals so that no matter how ill your pet becomes or however many claims you make, your maximum benefit will be fully reinstated when you renew your policy.

What about the cost, isn't it expensive?

PetInsure has lower excess, and lower premiums than many other Pet insurance companies in the market. Cover starts for a dog from as little as €3.47 per week.

What is Excess and how much do I have to pay?

Excess is what you have to pay. This is dependant on how much premium you wish to pay for your pet. The good news is that offer lower excess on our CarePlus product (only €90.00). If you have to make a claim, this is the figure you will pay if you are covered under the CarePlus policy.

Remember, PetInsure offer two policies to bring more choice to the market.

Why has it become so important to have Pet Insurance?

Pet insurance is designed to take some of the financial burden away from pet owners in the event their pet suffers an unexpected illness or accident. A host of new treatments are now available to pet owners, but they are increasingly expensive. Treatments such as dialysis, chemotherapy, and increasingly sophisticated surgical procedures now mean your pet has a good chance of recovering from events when only a few years ago euthanasia would have been the only option. Pet insurance gives you some protection against potentially major veterinary bills, and means you can make decisions about your pet’s future based on maintaining and improving quality of life, not around whether or not you can afford the treatment.

Does my pet need to be vaccinated?

We advise that your pet receives annual check-ups, vaccinations or boosters in line with best practice and advice within the jurisdiction.


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For any other questions, please contact us by clicking here or call us on 021 202 9119 Mondays to Fridays, 9am to 5pm.