It's always wise to check that your insurer is FSA or equivalent registered and the legalities of your pet insurance contract before you sign up..

You should see to it that the insurance firm is authorised & regulated by the Financial Services Authority or authorised by a similar regulatory authority. For example Animal Friends' underwriters are members of the ABI, The Financial Ombudsman Scheme and the Financial Services Compensation Scheme, so consumers are protected on all fronts.;they are also licensed by the Gibraltar Financial Service Commission. FSA registration can be confirmed on the FSA’s register by checking the FSA’s web site. Your pet insurance policies will be governed by the law of England & Wales unless the insurance firm and you have agreed otherwise. Check all such legalities.

Your policy is legal evidence of that contract. Here is your check-list before you sign up a pet insurance policy:

• Ask about the complaints procedure.

• Thoroughly cross-check the pet insurance policy and schedule of insurance. The Schedule of insurance and also any endorsements all form part of the pet insurance policy.

• The information you supply also forms part of the insurance contract you sign with the firm. If the policy fails to meet your pets’ requirements, you can opt to return them to the insurance firm within the stipulated period (usually 14 days of issue). Provided you have made no claim during the period, the firm will refund the premium amount in full.

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