FAQs - Voyager

FAQs

1. Do you only cover UK residents?
2. I have previously made a vet fees claim - will this affect my premium?
3. I would like to switch my insurance to Petguard but am worried if my pet gets an illness during the first 14 days?
4. What information do you need to start cover?
5. Do you insure guard-dogs?
6. Do you insure working dogs?
7. Do you insure pets used for breeding?
8. What is the minimum/maximum age for a pet to be insured?
9. Do you cover more than 1 pet on a policy?
10. Is there an excess on this policy?
11. Am I covered to take my pet abroad?
12. Can I add or make changes to my policy at any time?
13. What is liability cover?

Yes. You must be a resident of, and domiciled in, the United Kingdom, the Channel Islands, Isle of Man or Northern Ireland. Sorry, we cannot cover residents of Eire.

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In short no, having made a prior claim will not affect your premium. Petguard insurance is there to ensure the health of your pet and will don't penalise you if you make, or have made, a claim.

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We understand your concern, the safest solution is to keep your old policy in force for this short period.

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We need your name, contact details, date of birth, payment details and the details of each pet you would like to insure.

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No, sorry - we cannot cover pets that are used for guarding.

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Yes we are happy to insure these provided that they are not used for breeding, racing or guarding.

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No, sorry - we cannot provide cover for pets that are used for breeding. There are special policies for their risks and we suggest you speak to your vet or local insurance broker for help finding suitable cover.

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The minimum age of a pet is 2 months. The maximum age to start cover is 8 years for dogs and 10 years for cats.

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Yes, we can cover up to 3 pets on a policy provided they are all owned and by the same person. In fact we offer an annual multi pet discount - £5 discount per pet.

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Yes, although the excess varies slightly dependant of the type of claim and the age of the pet - see below for more information.

• Vet fees:
  Under 8 years at the time of treatment, there is an excess of £60 per condition per year
  Over 8 years at the time of treatment, the excess is the greater of either £60 or 15% per condition per year
• Liability claims are subject to a £250 excess for third party property damage
• Holiday cancellation claims are subject to a £50 excess

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Am I covered to take my pet abroad?

This depends on the options you choose with Petguard. Unless you have chosen our overseas travel option, your pet will not be covered outside of the UK.

If you have selected the overseas travel option, your pet will be covered for up to 2 trips per period of insurance each lasting up to 60 days in European countries that participate in the Pet Travel Scheme. For the latest list of participating countries, see the Pet Travel Scheme website.

Please note that your trip must start and end in the UK and so cover is not suitable if you are emigrating.

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Can I add or make changes to my policy at any time?

Yes, you can change personal details, some pet details or renew your policy online or over the phone. Some changes may alter your annual premium, for example if you move to a different location.

We are unable to change the vet fee covers or optional covers after the first 14 days of your insurance, with the exception that you can add the overseas travel option at anytime.

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What is liability cover?

Liability is known by a couple of different names - public liability or third party liability. You may be held legally liable if your dog damages another person's property or causes them death or injury. If you select the option you have the choice of £1 or £2 million of liability cover per event.

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