COVERMY PET FAQs

We’d love to cover all furry friends, but unfortunately, we can’t provide cover for certain breeds that are restricted under Irish regulations.

These include:

• Pit Bull Terrier
• Dogo Argentino
• Perro De Presa Canario/Dogo Canario
• Dingo
• Japanese Tosa
• Fila Brasileiro
• Czechoslovakian Wolfdog
• Saarloos Wolfhound/Wolfdog or any wolf hybrid

Additionally, we’re unable to cover crossbreeds of these listed breeds. These rules are in place to ensure we comply with local laws.

It all comes down to how much we cover each year and the percentage of your vet bills we’ll chip in for:

• Value: Up to €2,500 a year, with 100% of eligible vet bills covered.
• Standard: Up to €5,000 a year, with 90% of eligible vet bills covered.
• High: Up to €10,000 a year, with 85% of eligible vet bills covered.

Want to dive into the details? Check out our dog insurance or cat insurance pages to see what we cover.

A lifetime policy is designed to cover your pet for ongoing conditions throughout their life, as long as you renew your policy each year.

All of our policies are lifetime plans. This means if your furry friend develops a chronic illness or long-term condition, like diabetes or arthritis, they’ll continue to be covered year after year.

A pre-existing condition is any illness, injury, or health issue your pet had before your policy started. This includes conditions that were diagnosed, showed symptoms, or were treated before you took out the insurance.

While pre-existing conditions aren’t usually covered, your pet will still be protected for new, unexpected health issues that arise after your policy begins.

It all comes down to how much we cover each year and the percentage of your vet bills we’ll chip in for:

• Value: Up to €2,500 a year, with 100% of eligible vet bills covered.
• Standard: Up to €5,000 a year, with 90% of eligible vet bills covered.
• High: Up to €10,000 a year, with 85% of eligible vet bills covered.

Want to dive into the details? Check out our dog insurance or cat insurance pages to see what we cover.

We’d love to cover all furry friends, but unfortunately, we can’t provide cover for certain breeds that are restricted under Irish regulations.

These include:

• Pit Bull Terrier
• Dogo Argentino
• Perro De Presa Canario/Dogo Canario
• Dingo
• Japanese Tosa
• Fila Brasileiro
• Czechoslovakian Wolfdog
• Saarloos Wolfhound/Wolfdog or any wolf hybrid

Additionally, we’re unable to cover crossbreeds of these listed breeds. These rules are in place to ensure we comply with local laws.

‘Select breeds’ refers to specific dog that may be more likely to develop certain health conditions. Because of this, there might be some limitations on their cover.

‘Select Breed’ dogs include:

• Bandog
• Bavarian mountain hound
• Bergamasco shepherd dog
• Briard
• Bloodhound
• Boerboel
• Beauceron
• Bernese mountain dog
• Bracco
• All bulldogs (i.e. English, French, American, Australian, Miniature, etc.)
• Bull Arab
• Deerhound
• Dogue de Bordeaux
• Entlebucher mountain dog
• Estrela mountain dog
• Grand Blue de Gascoigne
• Great Dane
• Greater Swiss Mountain dog
• Hamiltonstovare
• Hungarian Kuvasz
• Irish wolfhound
• Komondor
• Leonberger
• Maremma Sheepdog
• All Mastiff breeds
• Newfoundland
• Old English sheepdog
• Polish lowland sheepdog
• Pyrenean mountain dog
• Rottweiler
• Russian black terrier
• Shar Pei
• St Bernard

Or any crosses of these breeds.

Making a claim is quick and easy. Simply follow these three steps:

1. Download claim form: Pet Insurance Claims Form
2. Gather your supporting documents: This may include items like vet invoices or medical notes.
3. Submit your claim: Send your completed form and documents to us via email or post.

These conditions can only be covered if the condition wasn’t present or showing symptoms before your policy started, or during the waiting period.

Absolutely! You can visit any licensed and registered vet in Ireland.

Yes, waiting periods vary depending on the type of claim:

• Accidents or injuries: You’re covered straight away – no waiting period.
• Illnesses: Cover kicks in 28 days after your policy starts.
• Cruciate ligament conditions: Covered 180 days after your policy begins.
• Brachycephalic Obstructive Airway Syndrome (BOAS): Covered 365 days after your policy begins.

It all comes down to how much we cover each year and the percentage of your vet bills we’ll chip in for.

• Value: Up to €2,500 a year, with 85% of eligible vet bills covered.
• Standard: Up to €5,000 a year, with 90% of eligible vet bills covered.
• Premier: Up to €10,000 a year, with 100% of eligible vet bills covered.

Want to dive into the details? Check out our dog insurance or cat insurance pages to see what we cover.

Making a claim is quick and easy. Simply follow these three steps:

1. Download claim form: Pet Insurance Claims Form
2. Gather your supporting documents: This may include items like vet invoices or medical notes.
3. Submit your claim: Send your completed form and documents to us via email or post.

Yes, waiting periods vary depending on the type of claim:

• Accidents or injuries: You’re covered straight away – no waiting period.
• Illnesses: Cover kicks in 28 days after your policy starts.
• Cruciate ligament conditions: Covered 180 days after your policy begins.
• Brachycephalic Obstructive Airway Syndrome (BOAS): Covered 365 days after your policy begins.

Yes, you might need to pay an excess when making a claim.

Think of an excess as your contribution to the claim’s cost. Once you’ve paid that amount, we’ll handle the rest of the covered expenses, based on your policy’s level of cover.

You can find the specific excess amounts for your plan in your policy documents. If you have any questions about what’s covered, please don’t hesitate to get in touch with our team.

To cancel your policy, contact us.

Each year, we’ll send you a renewal document with all the details of your policy for the upcoming year. If you’re paying by Direct Debit, no need to worry, your policy will automatically renew unless you tell us otherwise. But if you paid upfront, simply reach out to us to arrange your renewal payment.

Yes, waiting periods vary depending on the type of claim:

• Accidents or injuries: You’re covered straight away – no waiting period.
• Illnesses: Cover kicks in 28 days after your policy starts.
• Cruciate ligament conditions: Covered 180 days after your policy begins.
• Brachycephalic Obstructive Airway Syndrome (BOAS): Covered 365 days after your policy begins.

Yes, you might need to pay an excess when making a claim.

Think of an excess as your contribution to the claim’s cost. Once you’ve paid that amount, we’ll handle the rest of the covered expenses, based on your policy’s level of cover.

You can find the specific excess amounts for your plan in your policy documents. If you have any questions about what’s covered, please don’t hesitate to get in touch with our team.