Not all pet insurance policies are the same, and in fact the insurance can vary dramatically. This can be in terms of the amount you can claim for, how many times you can claim, the exclusions which apply, and also the time you’d like your pet covered for - to name a few!
There are four main policy types when it comes to pet insurance:
Ongoing cover is always subject to the ongoing payment of premium. If your policy lapses, or is cancelled, your insurer will not provide cover. Check your policy terms and conditions for more information and a detailed explanation of the type of policy you intend to/have purchased.
The ABI have written a helpful ‘Pet Insurance Consumer Guide’, should you wish to know further details around policy definitions:
The Association of British Insurers | Guide to Pet Insurance