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Pets In A Pickle FAQs

Pets in a Pickle can’t help you find the car keys your dog’s buried, or tell you why your cat is scared of cucumbers, but if you’d like to know more about the policies on offer, you can find the answers to the most frequently asked questions below. For anything else, you can get in touch through the Contact page.

What animals do you insure?

Pets in a Pickle insure cats and dogs. Pick the pet insurance policy to suit their needs.

What is Lifetime cover?

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

Do you have an age limit?

You can purchase pet insurance for your dog or cat as soon as they are over eight weeks old. There is no upper age limit, apart from death from illness cover. The upper age limit for death from illness cover is six years for a dog, and 8 years for a cat.

Pre-existing conditions?

Unfortunately, pre-existing conditions are not covered. Please see the policy terms and conditions for further information.

Do you cover working dogs?

Dogs used for working, trade, profession or business are not covered.

Do you cover the cost of neutering?

No, any preventative and elective treatments, or routine examinations and treatment are excluded from cover.

How are pedigree, crossbreed and mongrel’s defined?

A cat or dog is considered to be a pedigree if your pet has parents of the same breed. If your pet has parents of different breeds, it is considered to be a crossbreed. A mongrel (dog) or moggie (cat) is a pet with a mix of three or more breeds.

Can I pay for my policy in installments?

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.

What is a claim excess and how much will this be?

The claims excess is a compulsory excess and your contribution to the costs of treating your pet. All policies have an excess of £85 per condition, per policy year.

What is a co-insurance payment?

This is the amount you pay towards the vet fee claim for each condition. For all pets aged 6 years and older the mandatory co-insurance payment amount is 10%. This is in addition to the standard £85 excess. For example if you made a claim of £300 the initial excess of £85 would be deducted and you would then be required to pay 10% of the remaining £215 balance, which is £21.50. Therefore the total you would be required to pay towards the claim is £193.50.

Who underwrites the pet insurance policy?

Pets in a Pickle policies are underwritten by Zenith Insurance PLC.

How will I receive my documents?

To protect our environment, all documentation is sent via email. When your policy renews, your renewal notice, along with your schedule of insurance and policy wording will be emailed to you approximately 21 days before your renewal date.

What should I do if I do not receive my documentation?

If you do not receive your documentation, please check your spam or junk email, as sometimes internet security settings may divert them here. If they are not there then call a member of the team on 0330 126 0001.

What should I do if I need to cancel my policy?

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 full 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 plus any applicable administration fees. If you have made a claim on your policy and you want to cancel then the full premium for the year will become due.

What’s an excess?

The policy excess is the amount you have to pay towards the cost of a claim. When you make a claim, the excess will be deducted from the amount that is paid back to you or your vet.

How long does the claim process take?

Providing all the correct information has been submitted, all claims are aimed to be settled within 5 working days. If anything is outstanding, the settlement time could increase.

Will I Get to Choose My Vet?

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

Will Routine Treatment Be Covered?

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

Is Neutering and Spaying covered by pet insurance?

Preventative and elective neutering/spaying are excluded from cover.

Does the excess need to be paid only once or every year for ongoing illness?

The excess is payable per incident, per year. There is a 10% co-insurance payable for pets aged 6 years and above.

What are the different types of pet insurance Pets in a Pickle offer?

Lifetime Cover

New accidents and illnesses (conditions) are covered up to the specified financial limit in each policy term. If the limit is reached during the policy term, the cover stops until the policy is renewed. At the renewal date the limit is fully reinstated and the condition(s) will continue to be covered. This is subject to the insurer inviting the policy renewal and payment of premiums by the due date. No further cover will be provided beyond the cancellation or expiry date of the policy.

12 Month Cover

New accidents and illnesses (conditions) are covered up to the specified financial limit for up to 12 months from the date the condition was first noticed by you or your vet. If the limit is reached within 12 months from the date the condition was first noticed by you or your vet, the condition becomes excluded. On-going cover is provided until the financial limit has been reached or 12 months has passed from the date the condition was first noticed by you or your vet. This is subject to the insurer inviting the policy renewal and payment of premiums by the due date. No further cover will be provided beyond the cancellation or expiry date of the policy.

Accident Only Cover

Cover is provided for vet fees, only as a result of a sudden and unexpected injury to the pet caused by an accident. Illness is not covered by this policy. On-going cover is provided until the financial limit has been reached or 12 months has passed from the date the condition was first noticed by you or your vet. This is subject to the insurer inviting the policy renewal and payment of premiums by the due date. No further cover will be provided beyond the cancellation or expiry date of the policy.

How do I claim for vet bills?

If your pet has received treatment, call the Pets in a Pickle claims team on 0330 126 0002 (Lines open Monday to Friday 8am-6pm Saturday 9am-2pm). A member of the team will email/post you a claim form that both yourself and vet need to complete. Simply return this form, along with the invoice and medical notes and a Veterinary claims assessor will review your claim alongside the policy terms to make payment. Payment can be made via BACS transfer either directly to yourself, or to the treating vet if they offer this service.

What if my pet has pre-existing conditions?

Whilst Pets in a Pickle cannot provide cover for any previous or existing conditions, cover is still available for new conditions that may occur in the future. See our blog post on insuring a pet with an ongoing condition here.