This cover provides a financial limit for all new accidents and illnesses, combined per year. When the financial limit has been reached, no further claims can be made until the policy is renewed at which point the financial limit is fully reinstated as long as your insurance policy remains in force with no breaks in cover and premiums are kept up to date.

Following an illness or injury you have 12 months cover from the date treatment is first given to your pet for each new condition up to the financial limit. Once reached or once 12 months has passed, whichever is sooner, any on-going treatment required as a result of the condition will be excluded from future claims.

No further cover will be provided unless your insurance policy remains in force with no breaks in cover and premiums are kept up to date.

Lifetime cover means you can make continued claims for illnesses and injuries up to the maximum level of cover of vet’s fees covered by your insurance policy. This level of cover is reset at each renewal subject to the policy remaining in force and a renewal being offered. Take a look at the full selection of pet insurance policies.

The fixed excess is payable per incident, per year. Additionally, if your pet is referred to another vet or practice in the same policy year, the fixed excess will apply for a second time for each illness or accident. There is a 10% variable excess payable for pets aged 6 years and above, in addition to the fixed excess.

You can spread the cost of your annual pet insurance policy over the year by paying by Direct Debit (subject to status, 0% APR). Or, if you prefer, you can pay your premium in a lump sum by debit card or credit card.

The fixed excess is your contribution to the costs of treating your pet. The fixed excess will be shown on your Policy Schedule and is applicable per condition, per policy year. The 10% variable excess becomes compulsory for all pets when they reach the age of 6 and is in addition to the fixed excess. An example of how this works is shown in the question below this.

For all pets aged 6 years and older the mandatory variable excess payment amount is 10%. This is in addition to your fixed excess. For example, if you made a claim of £400 and your fixed excess was £150, this would be deducted and you would then be required to pay 10% of the remaining £250 balance, which is £25.00. Therefore, the total you would be required to pay towards the claim is £175.00.

Pets in a Pickle policies that incepted on or after 1st April 2024 are underwritten by Covea Insurance plc.

Pets in a Pickle policies that incepted on or before 31st March 2024 are underwritten by West Bay Insurance Plc (previously named Zenith Insurance Plc).

You can choose which vet practice you have treatment carried out in.

Routine examinations and treatment are excluded from cover. (For example flea/tick treatment and worming).

You can cancel your policy at any time. If you want to cancel in the first 14 days, providing you have not made a claim you will receive a refund of your paid premium. If you want to cancel after this time, then you will be charged for the time your pet has been insured. If you have made a claim on your policy and you want to cancel then the full premium for the year will become due, unless the only claim in the current policy year is for the death or loss of your pet.

To cancel your policy, you can:

Call us on 0333 126 0001

Email us at: Customerqueries@petsinapickle.co.uk

Write to our Complaints Manager at: Pets in a Pickle Pet Insurance, 2nd Floor, 5000 Lakeside, North Harbour, Western Road, Portsmouth O6 3EN