No, unless the problems are totally unrelated. For example, if your dog cut his leg before your policy start date and this healed, and then your dog was unfortunate enough to cut his leg again, this would be classed as a new condition and would be covered under the terms of the policy. However if the original cut did not heal properly and your pet needed further treatment, this would not be covered. Symptoms exhibited before the policy start date that are subsequently diagnosed are not covered either.
An excess is the amount you have to pay if you make a claim on your insurance. The excess you pay will be detailed on your policy documents.
When you get a quote you can choose to increase the excess, which will help to reduce your monthly payments. You are responsible for paying the excess as detailed within your policy document. You also have to pay the first £250 of a claim for damage to property under the Third Party Liability section in respect of dogs only (if you have this cover).
When you provide answers to all the questions asked, the answers will be used to give you the price of Tesco Pet Insurance for your pet. The price will take into account a number of factors so that each customer is rated according to individual circumstance and risk. These can include but are not limited to: the breed of your pet because some breeds are more susceptible to certain medical conditions than others. For example, breeds which tend to be large are generally more prone to bone and joint problems. the age of your pet because, just like people, older animals are more likely to suffer from medical problems such as heart and kidney diseases and arthritis. the area you live in. This can influence the cost of vet fees - one of the main reasons people claim on their pet insurance.
We're happy to make payments directly to your vet, as long as your vet agrees. If you'd like us to do this you just need to let us know when you fill out the claim form. You'll also need to pay the relevant excess to your vet first.
If you change your mind for any reason, you can cancel the policy within 14 days of the cover starting. This is called the 'cooling off period'. If you cancel in the cooling off period, you will receive a full refund for any payments you've already made, provided you haven't made a claim.
After the cooling off period, you can still cancel your policy at any time, but you won't receive a refund for any payments already made.
Tesco Pet Insurance claims consultants are fully trained and have an excellent knowledge of the cover you have arranged. Wherever possible, they’ll confirm during your first call whether your claim is covered. For claims involving illness or disease they’ll probably need more detailed information from your vet before assessing your claim.
It may help you to read through your policy documents before ringing us to report your claim.
Some claims are more straightforward than others - when you call to register your claim the claims advisor will give you an indication of how long it’s likely to take to get the information needed to settle your claim. Provided the claim is within the terms of the policy, and we have all the information we require, Tesco Pet Insurance will aim to settle a claim promptly.
The excess is the amount you have to pay if you make a claim on your insurance. Without an excess, claims would increase dramatically and, ultimately, the cost of insurance would have to rise. Charging an excess means that insurance companies can keep the cost of insurance premiums lower, making them more affordable. When you get a quote you can choose to increase your excess to reduce your monthly payments. If you already have Tesco Pet Insurance, you'll find details of the excess in your Policy schedule. If you need to claim, Tesco Pet Insurance will deduct the amount of the policy excess from the settlement of your claim.
Claims will be handled by Royal & Sun Alliance Insurance plc. You will find step-by-step instructions regarding making a claim on our website and can easily download the claim form and return it to us electronically should you choose.
Alternatively, the claims team can be contacted at:
Claims Department Tesco Pet Insurance PO Box 15770 Birmingham B2 2RB Telephone – 0345 078 3860*
*This number may be included as part of any inclusive call minutes provided by your phone operator.