Jargon buster

Our jargon buster is designed to explain the most commonly used terms you may come across when taking out a pet insurance policy.
Contribution means the percentage amount you must pay towards any claim for vet fees in addition to your excess. If a contribution applies to your policy this will be shown on your Schedule.
An endorsement is a change to the pre-printed policy document that reflects your individual terms and conditions.
The first amount of each and every claim that you are required to pay.
Exclusions are the causes of loss or damage that your pet is not covered for under your pet insurance and are set out in your policy document.
IPT is a tax on general insurance premiums. This is included in the price of your pet insurance.
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 produced a guide which offers advice and guidance on making sure you and your pet can travel trouble free. See our Taking your pets abroad section for more information.
The policyholder is the owner of the pet.
Third party liability covers up to a specified amount if your pet causes injury or damage for which you are legally liable (this applies to dogs only).