Mello insurance guide
Questions to Ask Before Buying Pet Insurance
Ask specific questions and request important answers in writing before paying for a policy.
Coverage
Is diabetes covered if diagnosed after enrolment? Are insulin, monitoring, consultations, tests, and complications treated differently?
Limits and claims
What are the annual and per-condition limits? What excess or co-payment applies? How long do claims usually take?
Related insurance guidance
Continue readingFrequently asked questions
What is the most important thing to check about questions to ask before buying pet insurance?
Ask specific questions and request important answers in writing before paying for a policy.
Where can I find the terms that apply?
Read the policy schedule and full wording, then ask the insurer to clarify anything that could affect your pet.
Sources: policy wording from individual insurers, Financial Conduct Authority consumer guidance, and veterinary insurance information. Reviewed for clarity by the Mello editorial team. Last reviewed August 2026.