Confidas Pet Insurance Review

Your pet must be older than 8 weeks and not show any vicious tendencies.

You and your pet's main home must be in the United Kingdom.

Your pet must be free from injury or illness at the start of the insurance.

Confidas offer two policies Pet Lux and Pet Max.

We couldn't find any difference between the two policies as they both cover vets fees up to a maximum benefit of £8,000. This type of policy is known as a maximum benefit policy.

This is a list of important exclusions. Confidas Pet Insurance will not cover:

1. Any preventative or non essential treatment.
2. Tests, or diagnostic procedures and general health supplements.
3. Routine examinations, vaccinations, bathing, grooming, dematting and the treatment of infestations or parasites.
4. Nail clipping, spaying or castration.
5. Out of hours/house calls or hospitalisation, unless the vet confirms moving the pet would endanger it's life.
6. The cost of housing or bedding.
7. Any dog listed under the dangerous dogs act 1991.
8. Medication unless prescribed by a vet.
9. Claims against your pet for worrying livestock.
10. Your pet if it has been used for commercial, racing, breeding, work or security purposes.
11. Diseases that should be reported to the authorities for example rabies.

Your pet must wear a collar that shows your details

You must pay for your pet to have a dental examination every year and to carry out any treatment recommended by your vet.

You must provide written notice of all accidents, illness or disease within 90 days of the incident occurring.

Both policies cover complementary treatments up to £1,000

Complementary treatments cover Acupuncture, aromatherapy and homeopathy, physiotherapy, osteopathy, hydrotherapy and chiropractic treatment recommended by and carried out under the direction of a vet.

The policy also cover the treatment of behavioural disorders up to £250, provided they are carried out by a suitably qualified professional.

Both policies cover the cost of clinical diets up to £250

It does not cover any other wet or dry food, or clinical diets prescribed solely to help your pet lose weight or as a preventative measure.

Both policies cover up to £500 towards the cost of dental treatment. You must make sure your pet has had a dental check up within the last 12 months and carried out any treatment within three months of being recommended by the vet.

This section does not cover the removal of first teeth if your pet is more than 18 weeks old.

Both policies cover MRI/CT Scans and Cruciate Ligament claims up to the maximum vet fees limit of £8,000.

Both policies cover the cost of putting your pet to sleep up to £100, provided that this has been recommended by the vet.

It does not cover any costs associated with burial or cremation.

The policy states "You can insure all your pets under one policy"

Confidas pet policies will not cover any condition that was known about whether diagnosed or undiagnosed, before the start of the policy

There is no cover under either policy for any costs associated with your pet's Pregnancy.

You are covered to take your pet abroad under the governments "PETS" scheme, up to a maximum of 3 journeys and 30 days each journey.

Vets fees cover is extended to cover this period, together with quarantine costs, emergency repatriation and loss of pet passport.

The policy will also pay up to £200 if your pet has to be put to sleep whilst on the journey.

The policy runs for 12 consecutive months and is renewable annually.

Confidas or their representatives, will write to your at least 21 days before the renewal date, with details of any changes in the terms, conditions or premium. If you have signed up to automatic renewal by debit, credit card or direct debit, your policy will renew automatically, unless you advise the company to stop the renewal by contacting the before the renewal date.

You have 14 days in which to change your mind. If you cancel within 14 days and have not made a claim, you will be entitled to a full refund of any premium paid.

If you cancel the policy outside the 14 day window and have not made a claim, you will be entitled to a refund of the unused portion of your premium.

If you have made a claim and wish to cancel the policy, you will be entitled to no refund.

If you need to make a claim, you can call their claims handlers who are available 24/7 to make all the necessary arrangements.

Your pet is covered against accidents from the start of the policy. Any illness that occurs within the first 14 days of the start of the policy is not covered.

You will need to pay the first £100 in respect of dogs and £75 in respect of cats of any claim that you make under the policy.

When your cat or dog reaches the age of 7, you will be required to pay an additional 20% of the cost of any claims.

For example if the claim was for £1,000 you would have to pay £100 excess plus 20% of the balance totalling £280.

The website provides information on the two policies a breakdown of cover and access to the policy wordings.

The website does not provide online quotations, but directs you to a recommended adviser.

The policy wording is 24 pages long and nicely laid out. A summary of cover is provided and coloured headings makes the reading process a bit easier.

The policy text had a reading score of 64.3 (out of 100), classed as standard to read.

The text had an average reading age of 13 - 15 years. This means that a person with a reading age of 13-15 years should be able to understand the policy.

Confidas is not listed on comparison websites.

The policy includes helplines like find a vet or bereavement counselling.

We couldn't find any customer reviews on Confidas Insurance policies.

We could not find any information on administration charges.

There are currently no special discounts or promotions.

Confidas do not supply online quotations, so we are unable to comment on the competitiveness of the policies they offer.