Talk to me about insurance

[BigFatPanda]

I have a dog who's 8. I would like to get him insured again but not sure what type of cover is best. I didn't sort it all out when he was previously insured, bills how does it work?
Do I pay then insurance pays me back?
Is there an excess?
What's the difference between 12 and lifetime?

Sorry totally clueless

TIA

Whether you pay upfront and claim it back or they pay direct pretty much depends on your vet, most accept pet plan claim forms as payment, not many accept any other company.

Yes there's an excess, it's usually per condition and varies depending on your insurance.

12 months pays out for each condition for 12 months then never again, lifetime renews every year so you can keep claiming for longterm conditions.