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Pet Insurance FAQs

 Why do you need pet insurance?

As you are more likely to claim on your pet insurance than your household or car insurance (Source: Allianz claims data 2014) it’s easy to see why pet insurance is such an important part of responsible pet ownership. This just goes to show how important it is to ensure that your pet has the best possible insurance on the market.

 How much will pet insurance cost?

The cost of pet insurance can vary enormously and is dependent on a range of different factors such as where you live, your pet's species, age, breed and most importantly, the product you choose. As pet insurance is so specific to each and every pet, there is no fixed cost to insure yours, so it's important to make sure you do some research to find out which policy suits you best both in terms of cost and benefits.

 What type of pet insurance products does KBIS offer?

KBIS offers two types of pet insurance cover: Lifetime, with our Select Plus policy,  and Time Limited, with our 12-month Classic policy. Select Plus policies provide cover for ongoing illnesses, such as diabetes, for the duration of your pet’s life as long as you renew your policy each year without a break in cover. KBIS’s Classic pet insurance product is for owners requiring a less comprehensive policy for their cat or dog. Classic is a 12-month product and as such, illness and injury will only be covered for 12-months, or up to the maximum benefit, whichever is reached first. Should your dog or cat suffer from the same condition again you will not be able to claim for it once your policy renews.

 Can I still purchase pet insurance if my pet has been previously ill?

If your pet has previously been ill or injured, you can still purchase pet insurance. Before you take out a pet insurance policy you must inform us of any conditions, injuries and prior illnesses they’ve had, and like all other insurance providers, KBIS unfortunately will not be able to cover you for these. These exclusions will be clearly stated on your Certificate of Insurance and will not affect the price of your premium.

 Why do premiums go up at renewal?

The main reason why your premium will increase each year is due to advances in a range of diagnostic, medical and surgical procedures, which means that veterinary fees will inevitably rise. These improvements will go a long way to making sure your cat or dog remains healthy for longer.

 What does a veterinary fees claim excess mean?

The excess is the amount you pay towards the cost of treating each illness or injury during the period of cover (i.e. the policy year or up to the maximum benefit), which is not related to any other illness or injury treated during the same period of cover.

If your policy covers illness and injury for 12-months you will pay an excess per condition for the 12-month/maximum benefit period in which you are entitled to claim. If you have a Select Plus policy, as your monetary limit is refreshed each year you will pay an excess per condition per policy year. Some policies may also include a percentage excess, if this is the case this means you will pay an excess on each claim you make. The exact percentage that will be deducted from your claim will be shown on your Certificate of Insurance.

We will automatically deduct the excess amount whilst we are assessing your claim - so whoever is the payee on the claim will receive the claim settlement amount less the excess. Please make sure you check your excess on your policy documents carefully as your cover can change at renewal.

 What is the maximum time limit for me to submit a claim?

You have 12 months from the point of the illness or injury taking place in which to submit a claim, this will be based on the start date of the treatment.

 Will you increase my premium at renewal if I make a claim?

Each year, the premiums you pay is based on the cover you have chosen and the information you have provided about your pet's age, breed and address.

Please rest assured, the amount you pay is not affected by any claim you need to make for your pet. 

 Can I insure a pet of any age?

For our cat insurance products, cover must start from 6 weeks of age and before your cats 10th birthday. On the dog insurance products, cover must start from 6 weeks of age and before their 8th birthday and if your dog is a select breed the insurance must begin before their 5th birthday.

 What cat insurance policies do you have?

There are two different levels of cat insurance available. For the maximum cover available from KBIS, choose our Select Plus policy. This is designed for cat owners worried about their cat developing a long-term illness like arthritis or eczema, and needing ongoing treatment from a vet

KBIS Classic is designed for cat owners who want cover to provide help with the initial high cost of veterinary treatment but are happy to fund ongoing treatments for the same illness or injury themselves once the policy renews.

 What dog insurance policies do you have?

There are two different levels of dog insurance on offer. For the maximum cover available from KBIS, choose our Select Plus policy. This is designed for dog owners worried about their dog developing a long-term illness, like arthritis or eczema, needing extensive ongoing treatment from a vet.

KBIS Classic is designed for dog owners who want cover to provide help with the initial high cost of veterinary treatment but are happy to fund ongoing treatments for the same illness or injury themselves once the policy renews.

Select breeds:

  • All Mastiff breeds
  • Beauceron
  • Bernese Mountain Dog
  • Bulldog
  • Deerhound
  • Dogue de Bordeaux
  • Estrela Mountain Dog
  • Great Dane
  • Irish Wolfhound
  • Leonberger
  • Newfoundland
  • Old English Sheep Dog
  • Pyrenean Mountain Dog
  • Rottweiler
  • Shar Pei
  • St Bernard