Frequently Asked Questions
Below you can find answers to common questions about Purely Pets Insurance policies.
Your pet has to be 5 weeks old at the start of cover, and there is no upper age limit. We do not stop offering cover when your pet is older, as long as there has not been a break in cover.
Unfortunately, our policies do not cover pre-existing conditions. Please see the policy terms and conditions for further information.
Your pet will be covered for dental treatment as a result of an accident but any regular or illness related dentistry or is excluded.
Our policies do not cover dogs used for working, trade, profession or business.
Yes, you can still arrange cover if your pet is not vaccinated. However, unvaccinated pets will not be covered for the illnesses that could have been prevented from the vaccination.
Yes, you can pay for your policy in monthly instalments. These are interest free and include Insurance Premium Tax at the current rate.
Your cover starts straight away for accidents. There is a 7-day waiting period for illness cover, which means that no claims can be made for illness within the first 7 days of the policy.
The claims excess is your contribution to the costs of treating your pet. On our policies the excess will be £99 per condition on the Annual
2000 policy. For all other policies, the excess will be £99 per condition, per policy year. For pets aged 8 and over, a 15% co-payment will apply to the remaining claim for veterinary fees, special diet and complementary medicine after the excess has been deducted, and for any claims for that condition thereafter.
This is the amount you pay towards the vet fee claim for each condition. For all pets aged 8 years and older the mandatory co-payment amount is 15%. This is in addition to the standard
£99 excess. For example if you made a claim of £300 the initial excess of £99 would be deducted and you would then be required to pay 15% of the remaining
£201 balance, which is £30.15. Therefore the total you would be required to pay towards the claim is
You can track your claim on the website.
The process will take five working days from the day we have received the claim.
We can pay you or the vet just let us know on the claim form section.
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 14 days before your renewal date.
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 our friendly customer services team on 0843 309 1196.
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. If you have made a claim on your policy and you want to cancel then the full premium for the year will become due. In all cases there is an administration charge of