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Pet Insurance

Top 5 Questions

Depending on the level of cover you choose, your pet can be covered for treatment for injury only or injury and illness for between €2,000 and up to €4,000.*

Many lost cats and dogs end up in pounds and shelters and several are never reunited with their owner as they have no ID. Collars and tags are important but they can fall off or be removed. Microchipping is a permanent way of identifying your pet and it gives the assurance that, if your pet becomes lost or is stolen, there is a higher possibility of them being returned.

Since 2015 you are required by law in Ireland to have your dog microchipped.

Here are some frequently asked questions:

  • What is a microchip?
    The microchip is a small electronic mechanism which is coded with a unique number that can be read by a scanner. It works through radio wave frequency.

  • How and where is it inserted?
    It is inserted under the animal’s skin between the shoulder blades using a needle. It’s not visible and cannot move once inserted.

  • Will it hurt?
    No anaesthetic is needed and the procedure is similar to a standard vaccination.

  • How does the microchip work?
    Each microchip is encrypted with a specific number which is unique to your pet. The pet and number is registered in a database with details of its breed, sex and the owner's name, address and telephone number. A scanner is used to read the number through your pet’s skin. The vet then checks the database to find a matching number and gets your contact details.

  • Where can I get my pet microchipped?
    You can get your pet microchipped at most vets and animal welfare groups.

  • How long does a microchip last?
    Microchips are designed to last for the life of your pet. They do not need to be charged or replaced so you only need to get your pet microchipped once.

You should bring your puppy to get vaccinated at around six to nine weeks old and then again at ten to twelve weeks old. Usually the vaccinations are administered using an injection into the scruff of the neck but some can be given as drops. Regular boosters are required for continued protection. Your vet will advise you on how often your pet needs to be vaccinated. It’s also important that your dog receives ample physical and mental stimulation. Dogs may become hostile if they do not have sufficient exercise as they will have excess energy. Ideally, you should try to walk your dog at least twice a day. They should have time where they can be let off the lead to run and play. Toys can also benefit their stimulation when they are alone.

You should bring your kitten to get vaccinated at around eight or nine weeks old. The vaccines are provided by injection. There are many vaccines but your cat doesn’t need to receive all of them. Your vet will advise which are best suited to your cat. Usually the vaccinations are administered over a series of shots and an annual booster may be required for continued protection. Your cat should also get regular worming about four times a year.

If you pet has any one of the following you should bring them straight to the vet.

  • Abdominal pain i.e. not letting you touch their stomach or in a crouched position more than usual
  • Bleeding from eyes or ears
  • Sudden blindness i.e. bumping into things or afraid to walk as they cannot see
  • Problems breathing i.e. wheezing
  • Problems urinating
  • Lameness i.e. finding it difficult to put weight on paws
  • Vomiting more than once
  • Odd eating habits
  • Excessively thirsty
  • Rough or dry cough
  • Sluggish
  • Vomiting
  • Unusual stool
  • Sudden weight loss
  • Dragging rear

There are many healthy un-homed and abandoned cats and dogs in Ireland due to overpopulation. Neutering and spaying are methods to reduce this and there are other benefits for your dog unless of course you plan for your dog to have puppies.

In females, spaying will stop unwanted pregnancies and being in heat. In males, neutering will reduce their dominant behaviour such as urine marking, roaming, mounting and their aggressive behaviour.

Generally, it’s also better for their health and spayed and neutered pets live for longer and are happier. For females, it will reduce or eliminate the risk of uterine diseases and for males it will reduce or eliminate testicular diseases and prostate problems.

The vet helpline gives policy holders access to our national network of RCVS (Royal College of veterinary surgeons) registered veterinary nurses 24 hours a day, 365 days a year. Call 076 888 7804 to talk to our nurses, who are available any time to answer any concerns you may have regarding your pet’s health or general wellbeing. We can help offer peace of mind and help with what to do next when your pet is unwell. Although our service is not intended to replace a consultation with your vet, by calling us first, we may be able to help prevent an unnecessary trip to the vet, which can be time consuming and traumatic for your pet.

Our pet insurance does not provide cover for routine and preventative care like vaccinations, flea, tick and worming treatment or neutering. If you do not have your pet vaccinated and it becomes ill with a condition that a vaccine would have prevented this will not be covered. It is a condition of our insurance that you pet must have an annual health check by a vet.

Veterinary claims will be subject to a €125 fixed excess which is payable per condition per policy year.

If your pet is aged 5 years or above on the start date of the policy year, there will also be a 15% percentage excess of the remaining amount claimed after the fixed excess has been deducted. Please see your policy booklet for an example.

Yes, if you have two or more pets then you are entitled to a Multi-Pet discount.