How to switch pet insurance provider

Are you looking to switch pet insurance provider and save money on your next year’s premium? Below are a few questions to ask yourself in order to change company safely.

Have you started your research early enough?

Always do your research for a new provider before you actually cancel your current cover. Remember that you will receive a letter from your current insurance company at least 21 days before your policy is due for renewal, so that will leave you plenty of time to find a alternative supplier.

Does your pet have any pre-existing conditions? Have you claimed on your policy?

If so, then ask yourself (or a vet) if the condition is likely to be ongoing. For instance, diabetes would require regular treatment. But a road traffic accident would be treated as a one-off as it is less likely to re-occur.

If you’re still currently claiming, then there’s no reason to change insurer.
If you have claimed in the past, and are on a lifelong cover, think of the likelihood of the condition needing treatment again.
If you have claimed in the past, are on a 12-month or per condition cover and the condition has been excluded because your time or financial limit has been reached, then you can easily switch provider: the condition is excluded anyway for your current policy, so you might as well find a cheaper pet insurance quote elsewhere at renewal.
If you’re been satisfied with the way your claims have been processed and paid, then consider staying with the same company: the grass isn’t always greener on the other side of the fence.

How old is your pet?

Most insurers impose an age limit to insure cats and dogs, so if your cat is over 10, dog over 6, then your options may be reduced. Look for insurers with no upper age limit but again consider whether you’re better off with your current provider.

When do you need to buy?

There’s generally a 14-day waiting period for illnesses on new policies. This means illnesses will only be covered 14 days after the start of your insurance. Therefore, you should buy your new pet insurance policy 14 days before your current one expires. You’ll make sure there’s no gap in cover and your pet is fully protected.

Are you buying online?

When looking for a better deal, remember to always buy online: you’ll benefit from great discounts that will keep the costs as low as possible.

Get started today! Compare pet insurance and save up to 15% on your quote.

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