Plans & Premiums

At PetInsure we keep premiums as low as possible for our customers.

*based on discounted premium for first year only.

At PetInsure we offer discounts for

  1. Micro-chipped pets (First Year)
  2. Online Applications (First Year)
  3. Customers over 60
  4. Multi-Pet Applications

Please complete a quotation to see what great value we offer and feel free to call us on 021 202 9119 if you have any questions. Don’t forget we offer a 21 day money back guarantee meaning that if you enroll today you have 21 days to cancel, no questions asked.

Why do premiums vary from one provider to the other?

1) Varying Levels of cover

a. Some insurers limit how much you can claim for a condition from which your pet suffers by:

i. limiting the amount of time for which claims will be accepted (usually one year or limited to the duration of the current policy year) after which no further claims will be paid and the condition will then be classed the same as a pre-existing condition.
ii. by putting a “cap” on the amount you can claim after which no further claims will be payable for that condition.

b. Providing ‘Accident Only’ cover, meaning that veterinary treatment for sickness will not be covered.

Our Solution

At PetInsure we do not limit what you can claim by condition and conditions which you may have claimed for during the current policy year are not ‘excluded’ from cover after renewal. We provide, what is termed in the industry as “Lifetime Cover*” which means that we do not seek to limit either the amount you can claim or the length of time you can claim for a specific condition.

2) Variations in Policy Excess

a. Some insurers charge a higher excess than others

b. Some insurers charge a higher excess once your claim has exceeded a certain amount and then charge a percentage of everything above that amount.

Our Solution

At PetInsure we have a very straight forward ‘flat rate’ policy excess, which is easy to understand, for both of our plans, which is outlined clearly in our terms and conditions and does not vary according to the amount which you might be claiming. All insurers charge ‘the excess’ per condition per policy year.