State auto insurance. Dog Insurance Quotes and Cover, Everypaw

Loving your dog is easy. But keeping our furry friends healthy, happy and safe is sometimes a little tougher than we’d like… especially when they swallow everything in sight *eye roll*. Dog insurance.

No worries, that’s what we’re here for. Every bump. Every bruise. Every guilty face and missing squeaky toy. Everypaw has you covered, leaving you and your buddy with more time to enjoy life.

Included with each dog policy

Vet bills for illness or injury

Third party liability (subject to acceptance) and legal costs

Boarding fees if you are hospitalised for more than 48 hours

Holiday cancellation costs. If your dog has a life threatening illness and you’re about to go away, we have it covered

Advertising and reward costs for missing dogs

Cover from £6.17 a month (£1.42 a week) - **Based on Maximum Benefit £1K product for a male Jack Russell, age 2 living in DG postal area.

The low-down on Everypaw dog insurance polices - The Exclusions and Limitations

Duty to take reasonable care. You must take proper and reasonable care for your pet, including regular checkups and vaccinations as recommended by your vet.

Quotes get a life

Excesses. An excess applies to each condition claimed for. On our Lifetime policies, the excess is applied per condition per policy year. For third party liability claims, you’re responsible for paying the first £250 of any costs or compensation awarded. Your vet fee excess can change if your circumstances change. For example, your excess could go up or down when you move address. We will let you know what your excess change is before it is applied when you contact us to change your personal details. Also, please note when your pet reaches a certain age it will change from a defined amount to a sum that will be the greater of the defined amount or a percentage contribution.

Pre-existing conditions: these refer to any condition or symptom, or anything related to it, that you were aware of or has been noted and/or investigated by a vet before the policy start date. If you do have medical history tell us and we’ll be honest with you on what we can and can’t cover you for. Once your pet suffers from a medical condition it can become very difficult to get another insurer to offer cover for that condition. This means you could be stuck with an insurer to ensure that your pet’s pre-existing condition remains covered. So, it is important that you take the time to select your pet insurance company based not just on cost, but on other factors.

When does cover start? You’re covered for accidental injury and poisoning after three days from the policy start date. You can claim vet fees for illnesses that first come to light after 14 days from the start date. Likewise, you can claim for the cost of advertising and searching for your lost dog for instances occuring from 14 days after the start date.

Convalescent treatment. Let’s get you home! The cost of post-op convalescent treatment isn’t covered where the vet confirms it could have been provided by you in your home.

Routine, preventative, elective and cosmetic treatment. This exclusion also applies to vaccinations and neutering for contraceptive purposes (as opposed to medical reasons).

Treatment for vaccine-preventable conditions where you have failed to vaccinate. This is excluded - so don’t fall behind with the jabs!

Dental treatment. Routine dental treatment is excluded - but hold up - we can pay for the doggy dentist where the need for treatment is down to accidental injury.

The cost of transplant, prosthetic limbs and associated treatment. All of this is excluded.

Life insurance needs

Third party coverage: Cover does not include third party liability outside of the United Kingdom, the Channel Islands or the Isle of Man for the first £250 of any claim. Cover does not apply where the claim arises as a result of your profession, occupation or business or if the dog is kept on premises licensed for the sale of alcohol.

Policyholder’s hospitalisation. Claims for boarding fees in the event of policyholders’ hospitalisation do not apply where the said hospitalisation is as a result of alcoholism, drug abuse or self-inflicted injury or where the policyholder’s illness or accident occurred before the policy start date. Claims are also excluded where your illness first occurs or shows symptoms within 14 days of the policy start date.

Get microchipped. Claims for searching for and finding your pet and for loss or theft of your pet are excluded if your dog is not microchipped in accordance with the applicable microchipping legal requirements in force at the time of any claim.

90 days coverage for pets abroad. We will reimburse the cost of treatment your pet has received when travelling in accordance with the Pets Travel Scheme. Coverage is for a maximum of 90 days in any policy year.

Dangerous dogs. We do not offer cover to any dog that is required to be registered under the Dangerous Dogs Act and/or the Dogs (Muzzling) regulations.

For a full list of exclusions, check out the full policy details here

Eligibility for cover

New insurance cover for most dogs can be started from the age of 8 weeks up to their 8th Birthday. However for certain breeds (listed below) insurance can start from 8 weeks up to their 5th Birthday. Once already insured, cover can continue beyond these ages, subject to the policy T&C’s.

Beauceron, Bernese Mountain Dog, Bulldog, Bullmastiff, Deerhound, Dogue de Bordeaux, Estrela Mountain Dog, Giant Schnauzer, Great Dane, Irish Wolfhound, Leonberger, Mastiff, Newfoundland, Old English Bulldog, Old English Sheepdog, Poodle (Standard), Pyrenean Mountain Dog, Rhodesian Ridgeback, Rottweiler, Shar Pei, St Bernard, Standard Poodle, Tibetan Mastiff, Utonagan.

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We also do not cover working dogs i.e. gun dog, farm dog, racing dog, dogs used for emergency rescue purposes, guard dog or any dog used for security purposes.

The following breeds are not covered as part of this policy

American Bull Dog, American Indian Dog, American Pit Bull, American Staffordshire Terrier, Bandogs, Boerboel, Bully Kutta, Canary Dog, Cane Corso, Czechoslovakian Wolfdog, Dingo, Dogo Argentino, Dogue Brasileros, Fila Brasilerio, Gull Dong, Husky Wolf Hybrid, Irish Blue Staffordshire Terrier, Irish Staffordshire Terrier, Saarlooswolfhound, Japanese Tosa, Tosa Inu, Pit Bull Crosses, Pit Bull Terrier, Wolfdog, Wolf Hybrid or any crosses involving these breeds.

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Posted by at 08:53PM

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