Pet Insurance Ireland | Dog & Cat Insurance | An Post Insurance (2024)

FAQs

How much is pet insurance in Ireland per month? ›

How much does pet insurance cost in Ireland? For a young, mixed-breed dog, you can expect to pay around €16.00 per month. Typically monthly premiums for pet insurance can be as little as €7 for mixed breed cats or over €50 per month for an older pedigree dog.

The typical waiting period is 14 days, particularly for illness coverage. Some pet insurance providers have a waiting period of only a few days for accident coverage. Hereditary conditions such as hip dysplasia typically have much longer waiting periods — up to a year.

Processing a pet insurance claim is usually quire straightforward. Your payout should take between seven to ten days. If you call your provider, they can give you an estimated date for the payout.

It's usually not too difficult to know when you should claim, and you can always check your policy documents or speak to your insurance provider if you're not sure. The only time it might not be worth claiming is if your policy excess – that's the amount you pay to make a claim – is more than the cost of the treatment.

Your pet will be covered up to the vet fee limit for all covered accidental injuries per policy year. Cover for each injury will continue for a maximum of 12 months from the date which the injury occurred, as long as you have paid the premium to keep the insurance in force.

The average pet insurance costs $51 per month for dogs and $27 per month for cats, based on our analysis. That's for a policy with $5,000 of annual coverage, a $250 deductible and an 80% reimbursem*nt level.

MetLife Pet Insurance

MetLife has the shortest waiting period for accidents. Coverage takes effect starting after midnight on the day you buy your policy. This is a far shorter than the average waiting period for the industry. Illness coverage also has a short wait time at just 14-days before coverage takes effect.

A pre-existing condition for cat or dog insurance is typically an illness or injury your pet shows signs of any time before the end of your pet insurance waiting period. This may include conditions not yet diagnosed by a veterinarian.

Pet insurance helps cover the cost of medical care for your furry friend. It can reimburse you for expenses like cancer treatment, emergency care, prescription medications and surgery.

When working with your pet insurance company, there may be a time when you submit a claim and reimbursem*nt is denied. If this occurs, it is best to look at your claim to double-check that it does not involve a policy exclusion, such as a pre-existing condition.

How does the annual limit for pet insurance work? ›

Many plans have an annual payout limit, meaning that once you are reimbursed up to that limit, your pet insurance company will not cover any more costs for your pet until the next year. Some companies, however, offer unlimited plans, which means there is no annual limit to how much you can be reimbursed.

Pet insurance will only cover curable pre-existing conditions after a specified symptom-free period. Most pet insurance companies do not cover pre-existing conditions or health issues a pet had before enrolling in coverage.

With recurring conditions, your pet insurance should reimburse you for the initial treatment. However, you'll need to claim for any recurring costs that come after. For any outstanding vet bills, you might need to pay these out of your own pocket before requesting the money back from your insurer.

All pet insurance companies have waiting periods. That's the amount of time between when you bought your plan and when coverage begins. The accident waiting period typically ranges between one to 15 days and the average illness waiting period is 14 days.

Certain breeds and locations are also more expensive. Expect to pay between $30 and $50 per month for relatively healthy adult dogs. Puppies will cost slightly less, though senior dogs (10 or more years old) will likely cost more than $100 per month.

A pet wellness plan generally helps cover the expected costs of regularly scheduled pet health care, such as checkups, spay/neuter procedures, vaccinations, etc. But a pet health insurance plan often helps to cover unexpected incidents and emergencies.

The cost of pet travel insurance varies depending on the company, the type of coverage you choose, and the age and health of your pet. However, you can expect to pay anywhere from $20 to $100 monthly for pet travel insurance. How much does pet health insurance cost?