Buying pet insurance

The whole process takes about 5 minutes with a cuddle break, 3 minutes without.

Step 1. Not much data needed, but some is required We need to know who will be the hero of the policy. You provide the species, age, sex, and weight of the animal. We'll also ask about their health, because we have to.

Step 2. You see the premium and choose You have 3 plans to choose from – we've designed them to make choosing easier. Read, decide, and if you can't, call or write to us.

Step 3. You provide an identifier Microchip or health booklet. If you don't have it to hand, save the form and come back. For the Plus plan with 25,000 PLN treatment costs and the Premium plan, a microchip is mandatory.

Step 4. You choose the start date, pay, and you're covered You set the start date of the insurance. Then you pay – you can pay upfront for a year or monthly. You'll find your policy in your email and account.

Breed doesn't matter, but these things do:

• Age: at least 7 weeks old and less than 8 years old.
• Identification: implanted microchip or health booklet. For the Plus plan with 25,000 PLN treatment costs and the Premium plan, a microchip is mandatory.
• Recommended vaccinations: must be up to date.

We also insure guide dogs, assistance dogs, and dogs used in animal-assisted therapy.

We don't insure service dogs (including Police, military, Border Guard, customs control, rescue services, Intelligence Agency), animals kept for scientific and educational purposes, or animals that have ever participated in hunting or fighting.

Dog: rabies, distemper, parvovirus, infectious hepatitis (Rubarth's disease), parainfluenza.

Cat: rabies, panleukopenia (feline typhus), herpesvirus (FHV-1), calicivirus.

A health booklet or an implanted microchip is sufficient to take out the policy. A microchip is mandatory for the Plus and Premium plans. If using a microchip:

• It must have a 15-digit number compliant with ISO 11784 and ISO 11785 standards.
• The animal should be entered in one of the registers – ideally the National Register of Marked Dogs and Cats.

When the obligation to microchip and register comes into force for a given animal, marking and registration will become a mandatory condition for insurance. It's worth microchipping your pet now – why wait if it will be required anyway?

We've heard that one before. Here's how we see it:

• The price goes up with age. The age on the day the policy is taken out determines the premium for the whole year.
• Chronic conditions before the policy starts will be excluded. The earlier you start, the more potential conditions will be covered.
• Young animals have more accidents. Puppies swallow foreign objects, kittens fall out of windows, active animals sprain their legs.
• Waiting period for illnesses. It's 60 days from the policy start. The earlier you start, the sooner the waiting period passes.
• Continuity pays off. If you renew without a break, the waiting period doesn't restart, and your pet can be insured up to the age of 10.
• Not just accidents and health. Liability protects you when your dog causes damage to someone, and assistance provides care for your pet when you end up in hospital.

Absolutely! There's no requirement to purchase from a breeder or have a pedigree. You can insure an animal adopted from a shelter, a foundation, or a private individual.

A written veterinary opinion with a date is sufficient (often written in the booklet). If the vet gives a specific age, we assume the dog or cat was exactly that age on the date the opinion was issued. If the vet gives a range, e.g. 3–5 years, we use the upper limit, i.e. 5 years.

Up to the age of 8 it's fine, after that no more. 6 years is okay. A few important notes for senior pets:

• Chronic conditions diagnosed before the policy is taken out will be excluded in the Standard plan. The Plus plan or higher may be more advantageous, as it covers exacerbations of known conditions.
• Death support is available for animals that were under 5 years old on the day the policy was taken out.
• With continuous coverage – meaning renewals – the policy can be continued until the animal turns 10.

Of course you can.

Of course, we encourage it – it's a lovely gesture. A daughter, mum, grandparent, partner, a complete stranger – whoever you want. Here's how it works:

• You are the policyholder and are obliged to pay the premium.
• The recipient is the insured and can use the coverage. Make sure they are added to the policy!

But remember – the recipient should receive the General Insurance Terms and Conditions before the insurance period starts, so send them by email, phone, and you're good.