Overseas Travel Dog Insurance - What Does Overseas Dog Insurance Cover?

Overseas Travel Dog Insurance

The travel industry has become much more welcoming to individuals with pets. Now there is even overseas dog insurance for those who want to take their pooch along when visiting foreign countries. The UK government has made it easier for travellers with pets to go across boarders with the Pet Travel Scheme (PETS). You are bound to enjoy an amazing trip abroad provided that your dog will be covered for all emergencies and accidents, which may occur, just like you.

There are various companies which offer overseas dog insurance. Some provide the cover as an option which can be added to the main pet insurance package, in cases the owner needs it. There are also companies which provide such a policy separately. That is why it may be worth asking your existing policy underwriter if you can add travel cover to the main plan. That way, you may save. If such an option is not available, you should shop around and compare the benefits and prices of different plans.

Types of Covers in Overseas Dog Insurance

Vet fees cover is the main item in any policy designed for pets travelling abroad. All costs for emergency treatment of illnesses and injuries are paid by the insurer up to the set policy limit. Treatments which may be required if your pet is kept in quarantine are also included. There is a set amount of vet fees coverage which you can claim during the trip. Typically, there are no caps per condition. This means that the entire amount can be used for covering the treatment of a single condition or multiple conditions.

Quarantine fees cover is usually present in overseas dog insurance as well. If your pet has PETS certificate, an implanted microchip in the skin and all the required vaccinations, it should not be kept in quarantine. However, if there is some problem with the documentation or the work of the microchip, the dog may be put in quarantine. The fees associated with this will be paid by the insurer up to the set maximum amount in your policy.

Pet passport loss cover is standard as well. The insurer will issue compensation in case the passport of your canine travel companion gets lost or stolen. You will be able to use the money to pay for the new document.

Repatriation cover is present in most pet travel insurance policies. If your dog gets ill or injured and has to be taken home, the insurer will pay for the transportation to the UK. The cover can be used if the dog dies and its remains have to be transported home. In general, death benefit is also typically present in such plans.

Third party liability cover is included in most overseas dog insurance policies. It works just like the standard one which you have. It is designed to cover any expenses incurred by third parties due to bodily injury or property damage caused by your pet.

Theft and straying benefit is usually present in most plans as well. You will be entitled to receiving money if your pet gets lost or stolen. You will be able to use the money to pay for advertising and for a reward.

Accommodation and holiday cancellation covers may also be present in more comprehensive overseas dog insurance plans. The accommodation benefit can be used for paying for extra stay in the respective country which may be required due to your pet falling ill or going mission. It can be used in case you have to stay longer due to lost or stolen pet passport. The holiday cancellation cover can be used if your pet gets seriously injured or ill and you have to stay home looking after it.

Types of Overseas Dog Insurance

There are two types of overseas travel dog insurance. You can go for a trip plan or for an annual plan. The latter allows you to use your pet insurance on any trip abroad that you make during the year.

The annual policies are more complex than the standard per-trip ones. This is because you are entitled to a set amount of cover for all trips. The insurer decides how the coverage will be allocated, if necessary, and what rules you will have to keep when making claims.

For instance, the company may put a limit on the number of times you can make a claim per condition. If your dog gets an ear infection during a trip in March and then falls ill from the same condition again when you are on a trip to another country in September, you may not be able to make a claim. Such specifics have to be taken into consideration by frequent travellers. Go carefully through the overseas dog insurance which you plan to use before making a purchase.

The different companies have varying exclusions and requirements applicable to overseas dog insurance. Most will not cover canines from certain breeds. The insurer may require you to present proof of vaccination and proof that your pet has a microchip plus a PETS certificate and the dog's passport. Even if they do not have such a requirement, they may not accept a claim that you make without you presenting one or more of these documents.