Your premium is calculated when your policy begins, and at each policy anniversary (and if you alter your cover). The premium is calculated based on a number of factors, including the risks associated with your pet and the plan you’ve chosen.
For dogs, your premium is calculated using your pet’s age, breed and plan. There are a number of reasons why some breeds cost more than others, such as genetic pre-disposition, activity levels, even the size of the dog.
For cats, your premium is calculated using your pet's age and plan, but not breed.
These are a congenital anomaly or developmental defect which is present at birth and for which your pet had either:
Below is a list of common conditions that we consider to be congenital conditions and are therefore not covered by any of the policies. Please note that this list is not exhaustive and conditions not listed below could still be considered congenital conditions in your pet's individual circumstances.
Patent ductus arteriosus; Pulmonic stenosis; Aortic stenosis (subaortic stenosis); Tetralogy of Fallot; Atrial septal defect; Ventricular septal defect; Persistent right aortic arch.
Congenital Portosystemic shunt- single shunt; Hepatic microvascular dysplasia (Portal vein hypoplasia); Atresia ani.
Ehlers-Danlos syndrome (collagen disorders); Skin folds; Dermoid Sinus; Alopecia (since birth).
Brachycephalic airway syndrome: elongated soft palate, everted laryngeal saccules, stenotic nares, laryngeal collapse, hypoplastic trachea; Situs inversus; Pectus excavatum.
Renal aplasia; Ectopic ureter; Persistent penile frenulum; Hypospadia; Deformity of the os penis; Penile hypoplasia; Hermaphroditism; Vestibulovaginal stenosis; Persistent urachus; Pelvic bladder.
Persistent hyperplastic primary vitreous; Retinal dysplasia (retinal folds); Collie eye anomaly; Entropion; Trichiasis; Distichiasis; Ectropion; Persistent pupillary membrane.
Caudal occipital malformation syndrome (COMS); Congenital Cerebellar ataxia; Spina bifida; Spinal dysraphism; Congenital deafness.
Kinked or cork screw tail; Dwarfism; Umbilical Hernia; inguinal hernias; Pinnal malformations; Malocclusion (misalignment of teeth); Under/ over shot jaw; Cleft palate.