Pet insurance - what is covered

By Advertiser, in Profiles · 04-10-2018 10:47:00 · 0 Comments
Pet insurance - what is covered

Ibex Insurance offers a Pet Insurance policy which is available for cats and dogs from a minimum of 8 weeks old up to 8 years old for cats and 10 years old for dogs at the time of taking out a new policy, subject to the pet being micro-chipped and registered with a veterinary practice.

Medical treatments and any associated follow-up care cost could get very expensive and leave you with a high veterinary bill. Having pet insurance will give you peace of mind knowing that if something does happen to your pet, you won’t have to worry about finding the funds for its treatment.
Ibex pet policies provide cover for veterinary fees from €2,000 to €8,000, depending on the level of cover selected, and each policy includes cover for loss through theft or straying plus reimbursement of related advertising costs, death from accident and emergency boarding fees (if you have to go into hospital unexpectedly). The Silver and Gold levels also include cover whilst travelling outside of Portugal (with a pet passport) and must comply with the European PETS Travel Scheme. Gold level also provides cover for costs to replace lost Pet Passport or Health Certificate.
However, this form of insurance does NOT include liability so if your pet causes an accident, bites or scratches someone, or fights with and injures another anima,l you will not be able to claim on your pet insurance.

The Ibex home insurance policy includes Public Liability cover which extends to domestic pets other than dogs designated as dangerous or potentially dangerous (including dogs crossed with breeds, wolves and wolf hybrid), therefore if you have an Ibex home contents policy, you would be covered for any damage or accident caused by your pet unless associated with a dangerous breed of dog.
For dangerous breeds of dogs there is a specialist insurance policy available from Portuguese insurers with varying levels of cover and if you have a dog that may be considered dangerous, Ibex can check whether your dog is classed as dangerous or potentially dangerous and request a liability policy for the particular pet.
If you have more than one pet ask about our Multi Policy pet discounts! You are entitled to a discount of 25% off the purchase premium of your second Ibex pet policy. As your local insurance broker, Ibex can find the policy to meet your needs.

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