What’s the difference between the Value, Standard, and Premier plans?

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.

Are there waiting periods for pet insurance?

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.

Can I use my own vet?

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

Are hereditary or congenital conditions covered?

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

How do I make a claim on my pet insurance?

Making a claim is quick and easy. Simply follow these three steps: Download claim form: Pet Insurance Claims Form Gather your supporting documents: This may include items like vet invoices or medical notes. Submit your claim: Send your completed form and documents to us via email or post.

What does 'Select breeds' mean?

‘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.

What's the process of renewing my pet insurance policy?

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.

How do I cancel my policy?

You can cancel this policy within 14 working days of receiving the policy. If you contact us in this time no charge will be made and we will refund any premium already paid. If you want to cancel after this period you are entitled to a refund of the premium paid less a proportionate deduction for the time we have provided cover. As long as you have not made a claim you will receive a refund of the part of your premium, which covers the cancelled period, providing this exceeds €30. If you have already made a claim you will not receive any refund of premium. We will not charge any administration fee. To cancel your policy, contact us.

Are there any dog breeds you don’t 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.

What is a pre-existing condition for pet insurance?

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.

What is a lifetime policy?

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.

Frequently Asked Questions | CoverMy Business Ireland

Business insurance faqs

I'm a charity. Can I still take a policy out with you?

Yes, animal charities can be covered under our CoverMy business policy.

Can I be covered to take on work experience students, or volunteers?

Yes, this is covered by your Employer’s Liability insurance. If it’s not already part of your main policy, you can easily add it on as an extra.

Can I add extra cover to my business policy?

Yes, depending on your chosen policy, you can often add extra cover for specific needs. Some policies may include these as standard, while others offer them as optional add-ons.

Potential areas for extra cover include:

Buildings
Contents
Stock,
Computer and other business equipment
Business machinery
Money
Tax audits
Employee dishonesty
Employers’ liability
Public liability
Professional indemnity
Own goods while in transit
Loss or theft of keys.
Custodial responsibility (negligence)
Care, Custody and Control of Animals
Specified all-risks cover in the UK and EU

Is Employers’ Liability Insurance mandatory?

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Does business insurance cover me for working with XL Bully dogs?

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Making a business insurance claim

How do I make a claim on my business insurance?

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

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

Do I need to pay anything if I claim?

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.

CoverMy Business Insurance FAQs