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Types of Pet Insurance

Policies range from Accident Only, which covers injuries, to Lifetime Cover, which covers ongoing conditions throughout the pet’s life. Choosing the right type depends on factors like your pet’s age, breed, and your financial situation.

Cover for Hereditary and Congenital Conditions

Many pet insurance policies cover hereditary and congenital conditions, which are health problems that pets are born with or develop due to their breed. These conditions often require lifelong treatment, making coverage beneficial.

Vet Fee Limits

Each pet insurance policy comes with a maximum amount it will pay out for veterinary fees annually or per condition. The limit depends on the type of policy and the level of coverage you choose.

Third-Party Liability Cover for Dogs

In Ireland, pet insurance often includes Third-Party Liability cover for dogs. This covers legal costs and damages if your dog causes injury or property damage, although there are typically exclusions, like incidents involving your family or employees.

Routine Care Coverage

Some pet insurance policies include or offer as an add-on cover for routine care like vaccinations, neutering, and dental cleaning. Including these in your cover can help manage your regular pet care costs.

Travel Cover for Pets

Travel cover can protect you from unexpected expenses when taking your pet abroad, like emergency vet fees, quarantine costs, and costs to replace a lost pet passport. However, conditions and limitations apply, and the destination country must typically be within the EU.

Excess and Co-Payment

The policy excess is the amount you pay towards a claim. A co-payment is an additional percentage of the claim amount that you pay, often applied for pets above a certain age.

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Feel supported through your claim

We represent our customers at the heart of everything we do. That means, we'll be there every step of the way to ensure you receive the best possible claims support.

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Our Customer Success team are always on hand to chat if you ever have any questions. Feel free to pop a message through the link below, or give us a call anytime during our opening hours. We love to help!

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Everything you need to know about Breeze pet insurance

Q1: What does pet insurance cover?

Pet insurance in Ireland typically covers veterinary fees if your pet is injured or falls ill. Some policies also cover third-party liability (dogs only), theft or straying, boarding kennel fees, holiday cancellation costs, and even the death of your pet.

Q2: Are all breeds of dogs and cats covered by pet insurance?

Most breeds are covered, but it’s always essential to check. Some breeds, particularly those with known health issues, might be more expensive to insure or have certain exclusions in the coverage.

Q3: Can older pets be insured?

Yes, but it can be more challenging to find coverage for older pets, and premiums can be higher. Some insurers in Ireland have age limits for new policies, while others may offer specialised senior pet policies.

Q4: Does pet insurance cover pre-existing conditions?

Most pet insurance policies in Ireland do not cover pre-existing conditions – ailments or illnesses that your pet had before you took out the insurance policy.

Q5: Can I insure more than one pet?

Yes, many pet insurers in Ireland offer multi-pet discounts if you insure more than one pet on the same policy. The specifics can vary by insurer, so it’s always worth checking.

Q6: Does pet insurance cover regular vet check-ups and vaccinations?

Most standard pet insurance policies do not cover routine and preventative treatments such as vaccinations, neutering, and routine dental work. However, some insurers might offer more comprehensive policies that include wellness care.