Pet Insurance Ireland: Understanding Your Options and Costs

Pet insurance in Ireland can be a lifesaver for pet owners, covering unexpected vet bills and giving you peace of mind.

Pet insurance policies in Ireland typically cover accidents, illnesses, and sometimes even routine care, depending on the provider.

Some pet insurance policies in Ireland may have a 14-day waiting period before coverage kicks in, so it's essential to research and choose a policy that suits your needs.

You can expect to pay anywhere from €20 to €100 per month for a pet insurance policy in Ireland, depending on the provider, policy type, and your pet's age and health.

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You can get a quote for pet insurance in Ireland from a variety of providers, including Vetsure Pet Insurance and Petplan.

Some providers offer online quotes, while others require a phone call or email to get a quote.

You can expect to provide some basic information about your pet, such as their breed, age, and health status, to get an accurate quote.

You can get a pet insurance quote in just 90 seconds by taking our online assessment and comparing quotes from every insurer.

Our vetted pet insurance partners are regulated by the Central Bank of Ireland, so you can trust that you're getting a reliable and secure quote.

To get a quote, you'll need to have the details of your pet to hand, including your own contact details to enable our partner brokers to contact you with quotes.

You can also compare different pet policies by looking at the premium, benefits, age, breed, and health of your pet, as well as the term of your cover and excess.

Some insurers, like Allianz, offer new policies up to 8 years, but some breeds are excluded from 5 years.

Here are some things to consider when comparing quotes:

Remember, you'll pay the excess once per condition per year, so be sure to factor that into your calculations.

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Getting a Quote is just the first step in ensuring your furry friend is protected. Pet insurance in Ireland will cover your pet if they get ill or injured.

Cats can be independent, but they'll always come back home, and you'll want to make sure they're taken care of. You have to feed them, care for them, walk them and watch them grow, making them a part of the family.

Considering the amounts you spend on treats, toys, and food, paying for pet insurance is worthwhile to cover unexpected vet treatment bills. You'll have comfort in knowing that you'll have help when covering their treatment and the vet bills, so you can focus on getting your pawsome pal well again.

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Coverage options for pet insurance in Ireland are varied and can be tailored to your individual needs. You can choose from different levels of cover, including Accident Only plans that cover up to €2,000 per year.

If your pet is prone to illness, you may want to opt for a higher level of cover that includes treatments for unforeseen illnesses. This can be especially important if your pet is older or has a breed that's prone to health issues.

Some policies also include third-party liability, which can provide protection if your dog causes injury or damage to a third party or their property, up to €250,000.

You can also consider multi-pet insurance policies, which can provide a discount if you have multiple pets and can cover them all under one policy.

Here are some common coverage options to consider:

It's essential to carefully review your policy and consider your pet's specific needs before making a decision.

If your pet has a pre-existing condition, you can still get them insured, but there are some important things to know.

Insurance providers won't cover treatment for the pre-existing condition, so if your dog has diabetes, you won't be covered for any illness caused by complications of diabetes.

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This means that if your pet was born with a hereditary or congenital condition, policies won't normally cover conditions or diseases they were born with.

For example, if your cat has a condition that was present from birth, you won't be able to claim for treatment related to that condition.

When choosing pet insurance, it's essential to consider what animals are covered. Almost all pet insurers in Ireland offer cover for dogs and cats.

You can also get insurance for rabbits, horses, birds, or exotic pets, but your choice of insurer will be more limited.

Pet insurance options for these animals may vary depending on the insurer, so be sure to research and compare policies carefully.

If your pet has a pre-existing condition, you can still get insurance, but it won't cover treatment for that specific condition.

Insurance providers won't cover complications from diabetes in dogs, so if your dog has diabetes, you won't be covered for related illnesses.

Hereditary or congenital conditions in cats and dogs aren't typically covered by policies, which means conditions or diseases your pet was born with won't be insured.

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If you have an older pet, you might be wondering if you can still get pet insurance. In Ireland, pet insurance typically covers cats and dogs between 8 weeks old and six years of age. However, some Lifetime plans may cover your pet beyond six years if you renew your policy continuously from an earlier age.

For certain breeds, like Cane Corso, Dogue De Bordeaux, Newfoundland, Bernese Mountain Dog, Chow Chow, St Bernard, and Great Dane, you may be able to get coverage beyond the typical six-year age limit. These breeds are often prone to health issues that can arise later in life.

To determine if your older pet is eligible for insurance, consider your pet's breed and age. If you're unsure, it's always best to consult with a pet insurance provider to discuss your options.

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Emergency dental treatment is sometimes covered by pet insurance in Ireland, but you'll need to check the terms and conditions to see if this applies to your policy. It's also a good idea to make sure your pet has had a health check within the last 12 months.

Some pet insurance policies in Ireland cover complementary therapies like homoeopathy or osteopathy, but only if they're carried out by a vet and meet the policy's terms and conditions. Always check your policy to see if this is the case.

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Emergency dental treatment is sometimes covered by pet insurance, but you'll need to check the terms and conditions.

Reading the fine print is crucial, as insurers may require a health check within the last 12 months for coverage to apply.

Some pet insurance policies cover complementary treatments, but it's crucial to check your policy carefully. This includes treatments like homoeopathy or osteopathy, but only if performed by your vet and under specific terms and conditions.

You should always check with your insurer to see if they offer this type of coverage, as it's not standard.

If your pet insurance policy does cover complementary treatments, you can expect the following:

It's essential to review your policy to understand what's covered and what's not.

Insurance companies and policies can be overwhelming, but let's break it down. Allianz offers new policies up to 8 years, but some breeds are excluded from 5 years.

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An Post and Blue Insurance have a €125 excess, but if your dog is over 5 years old, you'll face an additional 15% excess for treatment. Agria has a €90 excess or €150 excess, depending on the plan you choose.

When comparing policies, consider the level of cover you need, as different plans offer varying amounts. Overseas cover may be an additional option, but it's standard in An Post policies if that's important to you. Agria offers a €20 discount for new policies and a discount for microchipped or multiple pets.

Here's a quick comparison of some insurance companies' excess charges:

Keep in mind that you'll pay the excess once per condition per year, which can add up if your pet has multiple chronic conditions.

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If you're looking for pet insurance in Ireland, you're in luck because there are several reputable providers to choose from.

The four main providers are Agria, Allianz, Blue Insurance, and AnPost Insurance, with some other brands or brokers offering insurance as well.

Directly from the providers themselves, you'll often find the cheapest quotes available.

Here are the main providers listed in no particular order:

If you're looking for more options, you can also consider LifeAndProvide.com, a new Irish startup offering insurance through partners, and FirstIreland.ie, which offers car, pension, and life assurance, with pet insurance provided by BlueInsurance.

Allianz is a solid choice for pet insurance, offering a single policy with flexible options. Their standard features include vet fees, third-party liability, death from illness and injury, boarding fees, theft or straying, holiday cancellation, and recovery costs.

One of the benefits of choosing Allianz is their discounts for senior pet owners, which can be a great perk for older pets. They also offer a once-off discount for microchipped pets, which is a great incentive for responsible pet owners.

Allianz's website is user-friendly and quick to use, making it easy to navigate and find the information you need. Their customer service is also excellent, with a quick response to claims and a caring attitude towards pets.

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However, it's worth noting that Allianz only has one policy, which may not offer the same level of variety as other insurers. Additionally, their multi-pet discount requires at least three pets to be insured on a policy, which may not be ideal for pet owners with two pets.

Here are some key benefits and drawbacks of choosing Allianz:

Many customers have praised Allianz for their excellent customer service and quick response to claims. For example, Angela on the Allianz website noted that the "online system is so user-friendly and customer service is excellent."

Agria is a pet insurance company that offers a range of policies to suit different needs.

They offer a €20 discount for new policies and a discount for microchipped or multiple pets. This can be a great way to save money on your pet's insurance.

Agria's policies are available for pets from 8 weeks to 5 years old, and all of their policies are lifetime policies. This means that once you've taken out a policy, you'll be covered for your pet's lifetime.

Their Agria Accident policy covers vets bills up to €2,000, liability cover up to €250,000 (dogs only), and death by accident is covered on this policy up to €1,000.

Here's a comparison of Agria's Care Plan and Agria Care Plus Plan:

Their Agria Care Plan and Agria Care Plus Plan offer identical cover, except for the excess. This means that the only difference between the two plans is the amount you'll need to pay out-of-pocket when making a claim.

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If you're looking for pet insurance in Ireland, there are four main providers to consider: Agria, Allianz, Blue Insurance, and AnPost Insurance. Each of these companies offers a range of policies with varying levels of cover.

Allianz offers new policies up to 8 years, but some breeds are excluded from 5 years. This means that certain breeds may not be eligible for coverage or may have restrictions on their policy.

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The level of cover you require is also important, as different plans offer cover in varying amounts. Some policies may not cover conditions that develop during the term of the policy, so it's essential to choose a policy that suits your pet's needs.

AnPost policies, on the other hand, include overseas cover as standard, which may be a crucial factor for pet owners who travel abroad with their pets.

The excess varies between insurers, with Allianz having a €100 excess and the option to take on a higher or lower voluntary excess. AnPost and Blue Insurance have a €125 excess, but if your dog is over 5 years old, you'll face an additional 15% excess for treatment.

Here's a quick comparison of the excess charges for each insurer:

Remember, you'll pay the excess once per condition per year, which may cost more than you think if your pet has multiple chronic conditions.

Pet insurance policies in Ireland can vary significantly in terms of coverage and cost. Some policies, like Premier, offer up to €4,000 towards vets fees and €250,000 liability.

The cost of pet insurance also depends on several factors, including the type of cover you want, the type of pet you have, and its breed. Most brokers offer three different levels of cover, with essentials cover typically covering claims for veterinary fees up to €2,000.

Allianz has a €100 excess, while An Post and Blue Insurance have a €125 excess, with an additional 15% excess for treatment if your dog is over 5 years old. PetInsure, on the other hand, has a simple flat rate policy excess.

It's essential to consider these factors when choosing a policy that suits your needs and budget.

Selecting the right amount of cover for your pet is crucial in determining the overall cost of your policy. The amount of cover you need will depend on how much protection your pet needs, and this can vary based on factors such as age, health, and breed.

Vet fees are typically covered by up to €4,000 per year in Ireland, while cheaper Accident Only plans tend to cover up to €2,000. If your pet is prone to illness or has a pedigree breed, you may need to consider a higher level of cover to ensure they receive the care they need.

If you have an older pet, you're more likely to need frequent vet care, so it's essential to factor this into your policy. A good rule of thumb is to consider your pet's age, health, and breed when determining the level of cover you need.

Here are some key factors to consider when selecting the right amount of cover:

By considering these factors and choosing the right amount of cover, you can ensure your pet receives the best possible care while keeping your costs manageable.

The Premier Plus Lifetime Policy from Pet Insurance is a comprehensive option that offers a range of benefits to pet owners.

This policy covers vet fees up to €4,000, making it a great option for pets with chronic conditions.

You'll also get €250 towards complementary treatments, which can be a big help if your pet needs alternative therapies.

Liability cover of €250,000 is included, as well as €1,000 towards emergency boarding, advertising and reward, and accidental death cover.

Additionally, you'll get €1,000 cover if your pet strays or is stolen, and €1,000 cover for holiday cancellation.

Overseas cover is also included, which is perfect for pet owners who travel abroad with their pets.

Here's a summary of the benefits:

The cost of pet insurance can vary greatly depending on several factors. Typically, monthly premiums can be as little as €10 for mixed-breed cats or over €50 per month for some older pedigree dogs.

The price of your policy depends on the breed of your dog or cat, age of your pet, health of your pet, and level of cover. For example, if your pet is prone to illness, there is a high chance it will need vet care in the future.

Vet fees are typically covered by up to €4,000 per year in Ireland. Cheaper Accident Only plans tend to cover up to €2,000.

The cost of your pet insurance will depend on a number of factors, including the type of cover you want and the type of pet you have. Most brokers will offer three different levels of cover, with varying price points.

To give you a better idea of the costs involved, here's a rough breakdown:

Budgeting for €150-€400+ per year is a good idea, as costs can vary greatly based on excess levels and coverage options.

Larger, pedigree dogs are often the most expensive to insure, with research showing they're more prone to health issues like joint problems and heart conditions.

English and French Bulldogs, as well as Pugs, are among the breeds that can be costlier to insure due to their susceptibility to breathing problems and other health issues.

These breeds often require more frequent veterinary visits and may need ongoing treatment for their conditions, driving up insurance costs.

Larger dogs can be more expensive to insure because of their increased risk of joint issues and other health problems, making them a more significant financial burden for owners.

When comparing pet insurance policies, it's essential to consider the age, breed, and health of your pet. Some policies may exclude certain breeds or have age limits, so make sure to check the fine print.

The level of cover you need will depend on how much protection your pet requires. Different plans offer varying amounts of cover, and some may include additional benefits like overseas cover or emergency kennel or cattery costs.

The excess amount varies between insurers, with Allianz having a €100 excess and An Post and Blue Insurance having a €125 excess. However, if your dog is over 5 years old with An Post and Blue Insurance, you'll face an additional 15% excess for treatment.

You'll pay the excess once per condition per year, which can add up if your pet has multiple chronic conditions. For example, if you have an older pet with several chronic conditions, you may end up paying more in excess charges than you would pay for a lower excess premium.

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Here are some examples of pet insurance policies and their costs:

*Example 1 – Cat, age 2 years, mixed breed moggy, purchase price €50, female, neutered, no illnesses, not microchipped. Accurate as of 10/05/23.

**Example 2 – Dog, age 2 years, pedigree cocker spaniel, purchase price €500, male, neutered, no illnesses, microchipped. Accurate as of 10/05/23.

PetInsure offers three cover levels, including a flat-rate policy excess, and a 21-day money-back guarantee. They also have a simple and transparent pricing system, with no limit to what you can claim by condition.

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When choosing a pet insurance policy, it's essential to compare different options to find the best fit for you and your pet. The age, breed, and health of your pet can affect the level of cover you're eligible for and the premium you'll pay.

The amount of cover you need will depend on how much protection your pet requires, but be aware that the level of cover you choose will impact the price of your monthly premium. Vet fees are typically covered by up to €4,000 per year in Ireland, but cheaper Accident Only plans tend to cover up to €2,000.

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If your pet is prone to illness, you may need to factor in higher vet care costs. A pedigree breed or an exotic pet may require specialised or more frequent vet care, which can increase your premium.

You should compare the premium you pay, as well as the benefits that will suit you and your pet. Allianz offer new policies up to 8 years, but some breeds are excluded from 5 years.

The excess varies between insurers, with Allianz having a €100 excess and An Post and Blue Insurance having a €125 excess. Agria has a €90 excess or €150 excess, depending on which plan you choose. Bear in mind that you will pay the excess once per condition per year.

Here's a brief comparison of excesses for different insurers:

Take your time to research and compare quotes from every insurer. This will help you find the best policy for your pet's needs and your budget.

When comparing pet insurance policies in Ireland, it's essential to understand the policy terms and conditions. This includes the excess, which is the first portion of the vet's bill you'll need to cover. The excess varies between insurers, with Allianz having a €100 excess and An Post and Blue Insurance having a €125 excess.

The excess can add up quickly, especially if your pet has chronic conditions. For example, if you have an older pet with several chronic conditions, you may pay excess charges out of your own pocket, which can be more than any additional premium you would pay for a lower excess.

Some policies, like those offered by An Post and Blue Insurance, have an additional 15% excess for treatment if your dog is over 5 years old. This is something to consider when choosing a policy, as it can impact the overall cost of your insurance.

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Time-limited cover is an option to consider for your pet's insurance policy.

This type of cover only protects your pet for a fixed period of 12 months. Any conditions that occur after that period will not be covered.

If your pet has a time-limited illness or injury, time-limited cover might be a good choice.

For example, if your pet has a condition that will resolve itself within a year, this type of cover could be a cost-effective option.

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Pet insurance is a must to protect your pet from unexpected vet treatment bills. Considering the amounts spent on treats, toys, and food, paying for pet insurance is worthwhile.

You spend a lot on your pet's care, and pet insurance gives you peace of mind knowing they're well protected. This comfort can help you focus on getting your pet well again.

Pet insurance will cover vet bills, giving you financial help when your pet needs it.

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If your pet has a pre-existing condition, you can still get insurance, but it won't cover treatment for the condition itself. For example, if your dog has diabetes, you won't be covered for any illness caused by complications of diabetes.

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Pets with hereditary or congenital conditions are also not covered for conditions or diseases they were born with. It's essential to understand what costs are not covered by pet insurance.

Most insurances don't cover general trips to the vet for checkups, nail clipping, or gland cleaning, which are often referred to as "well pet" visits. These routine visits are usually not included in the policy.

Some insurance companies, like BlueInsurance, may not cover your dog if it's on the restricted breed list of dogs.

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When comparing insurance policies, it's essential to understand the terms and conditions. Excess, for instance, refers to the initial portion of the vet's bill you'll need to cover yourself.

The excess can be a significant amount, so it's crucial to factor it into your calculations. You'll want to know how much you'll need to pay out of pocket before the insurance kicks in.

Yearly increases are another factor to consider. Some policies may have a typical rate of coverage that increases by a certain percentage each year, so it's essential to ask about this when comparing policies. This can help you gauge how prices may increase over time.

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A cooling off period may also apply, which means there may be a waiting period before the policy covers your dog. This is something to look out for, especially if you're planning to purchase a policy for a puppy.

Most policies have a maximum benefit, which is the maximum payout you can receive in a 12-month period. This is important to consider when choosing a policy, as you'll want to ensure it covers your dog's potential medical expenses.

Existing conditions are another term to watch out for. Some policies may not cover pre-existing conditions that are known before the insurance begins, so it's essential to understand what's included and what's not.

Here's a quick rundown of the key terms to watch:

Annual requirements, such as regular vet checkups and up-to-date vaccinations, are also essential to maintain to avoid rendering your policy null and void.

After buying pet insurance, you'll need to wait a bit before coverage kicks in. There's a 14-day waiting period for illness claims, so make sure to keep an eye on your pet's health during this time.

If your pet gets injured or has an accident, the waiting period is shorter - just 48 hours. This means you'll be covered sooner in case of an emergency.

You'll be fully covered after the waiting period has passed, so you can breathe a sigh of relief knowing your pet is protected.

Protection is a crucial aspect of pet insurance policies. It's essential to understand what's covered and what's not, so you can make informed decisions about your pet's care.

One thing to note is that pet insurance typically covers vet fees, which can be a significant expense. According to Example 2, this can include surgery, prescription drugs, and medical tests.

You should also be aware that some policies may cover death by accident or illness, with a payout of up to €1,000, depending on the age of your pet (Example 2). This can be a comfort to pet owners who worry about their pet's well-being.

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In addition to vet fees, some policies may also cover third-party liability, which can be a concern for dog owners (Example 2). This typically covers damage or injury caused by your dog up to €250,000.

If your pet goes missing or is stolen, some policies may cover the cost of advertising and rewarding, which can be a huge relief (Example 2).

Here's a summary of what's typically covered by pet insurance:

It's essential to check your policy document carefully to see what's included and what's not, as some policies may have exclusions, especially with cheaper plans (Example 2).