Your personal dictionary to pet insurance lingo


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dictionary to pet insurance lingo

Pet insurance lingo can be rather tricky to navigate. All of a sudden, you’re exposed to daunting terminology and uncommon policy phrases. But all that confusion ends today because we’ve basically gone and written a personal pet insurance dictionary – just for you!

You’ve got to get with the lingo

We would hate to think that there are paw-parents out there that genuinely seek out adequate care for their pets but get deterred by all of the terminology associated with it: especially given the fact that browsing the internet in search of the perfect pet insurer can be incredibly tedious. On top of that, it’s a whole other job reading through the policy document.

Now it should be noted that we do try our best to keep the heavy jargon to a minimum. However, we have to remember that it is still a legal document. This means you’re going to come across some new terms. But before you let that deter you from taking out pet health insurance remember this: you owe it to your pet to understand the lingo.

Pet insurance is truly the gateway to exceptional veterinarian care for your fur baby. So, if you don’t go through this blog for us, at least do it for your pet.

Let’s cut the jargon

Now, as much as we would like to go through every single term that you will encounter as you go through your policy wording document, that would be impossible.

But don’t panic, as you have access to our team of pet insurers who are always happy to explain some of the terms that we may have missed.

Remember that the aim here is to break down all the major terms!

So, grab your glasses, your notepad, and maybe your pet (so you’re reminded why you’re doing this) and let’s demystify some of the common pet insurance terms.

Common pet insurance terms

Accidental injury

An unexpected or sudden injury that happens to your pet. This can range from your pet hurting their paw or being hit by a car.


This is typically the percentage of a claim that you (the policyholder) will have to pay in addition to the excess amount. (Also, don’t worry I’ll explain excess in a second).


When you ‘claim’ you are essentially requesting to be compensated by your insurance team for a financial loss that you made. To put it simply: you’re telling your pet insurer to foot the bill!


Your deductible is the amount that you will pay towards an insurance claim before your pet insurance coverage kicks in.


This is the agreed-upon maximum amount that you will have to pay towards the cost of each and every claim before your insurance pays out.


This is a restriction on your pet’s insurance coverage where your insurer will not pay for the claim. In this case, you will have to cover these costs out of pocket.

Pre-existing condition

A pre-existing condition refers to an illness or injury that has visible signs that were known before the insurance policy was activated.

Policy document

Dare we say, this is one of the most important documents you will have when you take out pet insurance. This is a legally binding contract that documents everything that you need to know about your pet’s coverage. Study it. Learn it. Live by it.


Now, contrary to popular belief your pet baby isn’t actually the policyholder. It’s actually you! You are essentially entering into the contract on behalf of your pet, meaning you are the one holding the insurance policy.


The amount of money that you will pay either annually or as a monthly instalment to cover your pet insurance policy.


Treatments refer to medical or wellness interventions that are required to help your fur baby. This can include things like medication, surgery, x-rays and examinations.

How Oneplan is doing things differently

You may have been impressed by how we broke down all of these insurance terms but wait until you get around to reading our pet policy wording document. We have written and rewritten that document so many times to ensure that it is not only easy to read but understandable, too.

Gone are the long-winded sentences and the snooze-fest that you’d usually associate with terms and conditions documents. It’s (relatively) short and to the point. As insurance should be.

So don’t feel intimidated by the thought of having to read through this document because it will be one of the easiest things you do!

And if you do happen to stumble upon something that you don’t understand or aren’t sure of, make sure to get in contact with our pet insurers. They’re super friendly! Plus you already have something in common - your mutual love of animals!

Make sure to give us a call, or better yet, get our team to call you so that we can make this process as easy and simple for you (and your fur baby) as possible.


Yours in comprehensive pet insurance,

The Oneplan Team

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