SAGA — Doing things properly

Typically covers advertising and reward costs up to a specified amount if your pet gets lost or is stolen.

Cover for Life means cover is not withdrawn for conditions once your pet has had them for a year. This type of cover can prove very beneficial because many ailments, such as diabetes, are ongoing and the cost of treating then can build to thousands of pounds. Saga offers two policies that provide Cover for Life – Essential and Super. Both policies will continue to pay the necessary vet bills for as long as required – up to £5,000 a year with Super and up to £1,000 a year with Essential. You just need to ensure that your dog or cat is less than eight years old when you first take out a Saga policy.

An endorsement is a change to the pre–printed policy document that reflects your individual terms and conditions.

An excess is the amount that you must pay towards any claim you make.

These are the causes of loss or damage that are not covered under your pet insurance and are set out in your policy document.

The FSA regulates all financial services companies, including insurance companies. They are the UK’s financial watchdog.

These are the clauses in your policy that apply whichever sections of cover you buy. These should always be read when buying insurance.

The start date of your insurance policy.

A tax on general insurance premiums. This is included in the price of your pet insurance.

Any fact which would influence the acceptance, premium or terms of the policy and which you must disclose as the policyholder.

The Pet Travel Scheme (PETS) is the system that allows cats and dogs to re-enter the UK without quarantine. There are a number of steps that need to be taken before you travel and before you return to the UK. Saga has developed a leaflet, which offers advice and guidance on making sure you and your pet can travel trouble free. Click here for more information.

The person in whose name the policy is in.

The maximum amount payable in the event of a claim under your pet insurance policy.

Covers up to a specified amount if your pet causes injury or damage for which you are legally liable.