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HIF Pet Insurance Frequently Asked Questions

Can all pets be insured?

Can I visit a vet of my choice?

How do you calculate my premium?

Why should I choose HIF Pet Insurance?

What isn’t covered under HIF Pet Insurance?

How can I pay my pet insurance premiums?

Can I insure more than one pet?

How do I make a pet insurance claim?

What Waiting Periods apply?

What kind of vet consultations can I claim under my policy?

Are hereditary and congenital defects covered?

Will HIF cover my pet’s pre-existing conditions?

What is a Pre-existing Condition?

How do I apply for a Pre-existing Condition Review?

How do I update or change my Pet policy details?

Can I seek pre-approval of my Pet’s upcoming treatment?

Does HIF insure adopted pets?

Is my premium calculated the same way as my Private Health Insurance?

Will my premium increase even if I don’t submit claims?

Will my premium increase every year?

How do I cancel my policy?

How do I renew my policy?

Can I switch to HIF Pet?

Why do I need Pet Insurance?

Why did HIF introduce pet insurance?

What is a collection fee?

What is considered a pre-existing condition for my pet?

What excess applies to HIF Pet Insurance?

What percentage of my vet expenses am I covered for?

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