Dog with an illustrated background

Pet insurance terms explained

Our glossary will help you to understand some of the commonly used phrases within pet insurance.

Accident Only policy

An Accident Only policy aims to protect your pet if they have an accident. It doesn’t cover you for any illnesses or diseases they might have. If your pet has an accident, the policy offers £2,500 per year towards the cost of treating their injuries resulting from that accident.

The £2,500 limit applies to each accident your pet might have, and there’s no limit to the number of accidents you can claim for. So even if your pet is particularly accident prone, your policy should still protect them. Each accident also has a lifetime limit of £15,000 – as long as you renew your policy.

So, you can keep making claims over multiple years of continuous cover if your pet needs long-term treatment for their injuries – as long as you don’t go over the £2,500 annual limit.

 

Accidental Damage

Sometimes accidents involving your pet can happen that result in property getting damaged. If you have a Prestige policy we’ll cover you if your pet causes damage while you’re visiting someone else’s home.

 

Advertising & Reward

This benefit will provide cover towards advertising costs if your pet is lost or stolen from your home address or while you’re out on a walk and provides an award for the return of your pet.

 

AFI

Short for Animal Friends Pet Insurance.

 

Annual condition limit

An annual condition limit is the amount you can claim for vet fees for each condition your pet suffers from each year.

 

Annual policy limit

An annual limit is the amount you can claim for vet fees each year.

 

Authorisation

This is to have permission for something to happen or the action of giving someone official permission for something. For example, you may give permission to a family member to discuss your policy on your behalf.

Behavioural condition

A Behavioural condition means there is a change in your pet’s normal behaviour and there are signs that they are experiencing a negative emotional state.

 

Behavioural therapies

Behavioural therapies – included on our Prestige policy

If your pet is diagnosed with a behavioural condition by a vet, we will pay towards prescribed treatment costs. This could include:

  1. Training to address behavioural issues for up to six months
  2. Pheromone products to help with calming pets as part of a behaviour programme
  3. Medication prescribed by your vet to help improve your pet’s behaviour.

The condition must be diagnosed, and treatment carried out, by a qualified professional such as:

  • A vet
  • A certified clinical animal behaviourist (CCAB)
  • A member of the Association of Pet Behaviour Counsellors (APBC)
  • A member of the Canine and Feline Behaviour Association (CFBA)

 

Bilateral condition

If your pet develops a condition in one part of their body that they’ve previously had in another part of their body, we’ll class it as one condition. This is called a ‘bilateral condition’, and both cases will be covered under the same vet fees limit.

Bilateral conditions usually appear in places your pet has more than one of, such as ears, eyes and elbows. For example, your pet may need treatment for an injured cruciate ligament in their left leg that costs £4,000 of the £6,000 limit.

If they then needed treatment for an injured cruciate ligament in their right leg during the same policy year, we’d class this as the same condition. This means there would be £2,000 left for treatment. Remember, we don’t cover pre-existing conditions. So if the damage to the left ligament happened before you took out this policy, you won’t be covered if they later damage their right ligament.

 

Boarding Kennel/Cattery Fees

There may be times when you unexpectedly won’t be able to look after your pet because you need to stay in hospital for emergency care. If this happens, we’ll pay towards putting your pet in a cattery or kennel, or the cost of a licensed pet minder or professional dog walker.

 

Breeding

You won’t be covered for any treatment as a result of breeding, pregnancy or giving birth, including the cost of emergency c-sections.

Chronic condition

A condition which lasts for a long time or keeps coming back.

 

Claim form

The forms that the policyholder completes when they need to make a claim.

 

Clinical signs

Changes in a pet’s normal and healthy behaviour or bodily function.

 

Co-payment

As your pet gets older, you’ll also have to start paying a percentage of the vet fees when you make a claim. This is because older pets may be more likely to get injured or to become ill. These are known as ‘co-payments’.

We start applying co-payments at 8 years old for dogs and 10 years old for cats. We’ll automatically apply co-payments on the first renewal after your pet’s birthday. For example, if your dog turns 8 in January, and the policy renews in July, we’ll apply co-payments after the July renewal.

Check your schedule to see if a co-payment applies to your policy. Co-payments count towards your cover limit. For example, if your cover limit is £6,000, with a 20% co-payment, the most you’ll be able to claim is £4,800.

 

Condition

When we say ‘condition’, we mean any injury or illness with a single cause or diagnosis. For example, if your pet has an accident, we’ll class any injuries they suffer as one condition – even if they’re in different parts of the body. Likewise, if your pet has symptoms of a condition that later appears in a different side of the body, we’ll class it as one condition.

 

Condition limit

If you need to make a claim for vet fees, a condition limit is the amount that you can claim up to towards vet fees in each policy year.

 

Congenital condition

An illness that exists since birth but doesn’t necessarily show symptoms right away. Congenital conditions are covered by our policies as long as the pet hasn’t shown any symptoms or been diagnosed prior to the start of your policy with this condition, or within the policy waiting period.

 

Continuation claim

This is where a policyholder may claim for further vet fees or repeat medication for illnesses, injuries or conditions requiring follow-up treatment, such as repeat Insulin for a diabetic patient.

 

Cooling off period

If you cancel your policy within 14 days of receiving your documents – and we haven’t paid a claim – we’ll give you a full refund. If you cancel after 14 days of receiving your documents – and we haven’t paid a claim – we’ll refund you for any time left on your policy. We may charge a small admin fee to cover our costs.

 

Cover

Protection that is given by an insurance company when it agrees to pay money if a particular thing happens, for example a pet is injured.

 

Cover start date

This is the start date of your insurance policy. You are able to select a date up to 30 days in advance for your policy to start. You will not be covered for any accident within the first 2 days, or illnesses within the first 14 days of your policy start date (if your policy covers illness as well as accidents).

Death of Pet benefit

If your pet dies or is put to sleep, we may be able to cover some of what you paid for them. The amount we’ll pay depends on how they died, how old they were when they died and how much you paid for them.

When your pet dies, we’ll cover a percentage of the price you paid for them up to the amount shown in your schedule. We’ll only pay the full amount you paid for your pet if they were less than a year old when they died. If you have a dog over 8 years and 1 day or a cat over 10 years and 1 day, we’ll only cover deaths as a result of accidents.

If you have selected Gold or Platinum cover, this benefit is not applicable if your pet dies due to illness and is aged 9 years or over in the case of dogs and 11 years or over in the case of cats. Death of Pet benefit is not available with Silver cover.

 

Deductions

Deductions, or a deductible item, refers to something that is taken out of your policy limits (something that is deducted from your claim). This includes a co-payment.

 

Dental or gum treatment

If you have a Prestige or Assure Plus policy, we’ll only pay to have your pet’s teeth removed, or their gums repaired, if they’re damaged in an accident. We’ll only do this if your pet had a dental exam within a year of the injury and you followed the vet’s advice. We don’t cover any other dental or gum treatments or conditions, including epulis.

For other policies, we don’t cover any dental or gum treatments or conditions at all. This includes the cost of any tests that lead to a dental or gum problem being diagnosed.

If you have a Gold, Silver or Platinum policy, please refer to your policy booklet.

 

Direct claim

A direct claim is when a payment is sent to your vet practice on the acceptance of the claim.

‚ÄčEnd date

The date on which this policy ends, which will be the earliest of the following:

  • The date your pet dies
  • The expiry of the current policy period
  • If you fail to renew this policy
  • We choose not to renew this policy for whatever reason
  • The date you fail to pay the premium
  • The date you cancel this policy
  • The date we cancel this policy for whatever reason
  • The date the cover for a condition will finish (unless it is a Lifetime policy)

 

Equine Complementary Therapy

Complementary Therapy is included for horses over 30 days old and less than 20 years old. It must have been recommended by your vet to treat an injury or illness. It must be administered by one of these suitably qualified practitioners:

Acupuncture

  • Qualified Vets who are registered with The Association of British Vet Acupuncturists (ABVA)

Nutraceuticals

  • Recommended or supplied by Qualified Vets

Herbal medicine

  • Qualified Vets

Homeopathy

  • Qualified Vets

Hydrotherapy

  • Institute of Equine Hydrotherapists (IEH)
  • Professionals who have completed a minimum of a one-day training course in Equine Hydrotherapy and hold their own liability insurance (Proof will be required)

Osteopathy

  • Association of Animal Osteopaths
  • General Osteopathic Council

Physiotherapy & Chiropractic Manipulation

  • Association of Chartered Physiotherapists in Animal Therapy (ACPAT)
  • The Institute of Registered Veterinary and Animal Physiotherapists (IRVAP)
  • National Association of Vet Physiotherapists (NAVP)
  • The International Association of Animal Therapists (IAAT)
  • Register of Animal Musculoskeletal practitioners (RAMP)
  • Animal Health Professions’ Register (AHPR)
  • McTimoney Animal Association
  • Animal Health Professions’ Register (AHPR).

Remedial Farriery

  • The Farriers Registration Council

 

Excess

The excess is an amount you’ll need to pay when you make a claim.

Accident only

You’ll need to pay one vet fees excess per accident per policy year. If your pet is injured in a new accident, this will start a new claim and you’ll have to pay the excess. If they need more treatment because of the accident, we’ll treat this under the same claim. You won’t need to pay the excess again in that policy year.

If you claim for the same condition over more than one policy year, you’ll have to pay the excess once per year. For example, if your pet needs painkillers for their injuries, you’ll have to pay the vet fees excess shown in your schedule when you make a claim. If they need more painkillers in that policy year, you won’t have to pay another excess. But if they need more after you renew your policy, you’ll have to pay the vet fees excess again.

Time Limited

You’ll need to pay one vet fees excess per policy year for each condition that you claim for. If your pet becomes
ill with a new condition, and you start a new claim, you’ll need to pay the excess. If they need more treatment for the same condition in the same policy year, we’ll treat this under the same claim. You won’t need to pay the excess again for that condition in that policy year.

If you claim for the same condition over more than one policy year, you’ll have to pay the excess once per year. For example, if your pet develops conjunctivitis and needs eye drops, you’ll have to pay the vet fees excess shown in your schedule when you make a claim. If they need more drops in that policy year, you won’t need to pay another excess. But if they need more drops after you renew your policy, you’ll need to pay the vet fees excess again.

Max Benefit

You’ll need to pay one vet fees excess for each condition that you claim for. If your pet becomes ill with a new condition, and you start a new claim, you’ll need to pay the excess. If they need more treatment for the same condition, we’ll treat this under the same claim. You won’t need to pay the excess again for that condition.

Lifetime with an Annual Condition Limit

You’ll need to pay one vet fees excess per policy year for each condition that you claim for. If your pet becomes
ill with a new condition, and you start a new claim, you’ll need to pay the excess. If they need more treatment for the same condition in the same policy year, we’ll treat this under the same claim. You won’t need to pay the excess again for that condition in that policy year.

If you claim for the same condition over more than one policy year, you’ll have to pay the excess once per year. For example, if your pet develops conjunctivitis and needs eye drops, you’ll have to pay the vet fees excess shown in your schedule when you make a claim. If they need more drops in that policy year, you won’t need to pay another excess. But if they need more drops after you renew your policy, you’ll need to pay the vet fees excess again.

Lifetime with an Annual Policy Limit

You’ll need to pay one vet fees excess per policy year.
If you need to make more than one claim for vet fees in the same policy year, you won’t have to pay the excess again. But if you make another claim after you renew your policy, you will have to pay the excess again.

 

Excluded breeds

Unfortunately, there are some breeds that we do not provide cover for. This includes if they are an excluded breed crossed with a breed we do cover.

The following list includes, but is not limited to, the cat breeds that we do not insure:

  • Aladseer
  • Asian Leopard Cat
  • Chausie
  • Keetso
  • Keetso Cross

We do not cover any dog that is:

  • Banned in Great Britain, as defined in the Dangerous Dogs Act 1992 or any breed crossed with these dogs.
  • Used for hunting, shooting, trade, or business
  • Under 4 weeks old

The following list includes, but is not limited to, the dog breeds that we do not insure.

  • Akita
  • Alapaha Blue Blood Bulldog
  • American Bandogge / Bandogge Mastiff
  • American Bully
  • American Foxhound
  • American/Irish Staffordshire Bull Terriers
  • Anatolian Karabash
  • Anatolian Shepherd Dog
  • Anglican Bulldogge
  • Australian Dingo
  • Biewer Terrier/ Biewer Terrier Cross
  • Braque du Bourbonnais
  • Brazilian Dogo
  • Bucovina Shepherd Dog
  • Bully Kutta
  • Canary Dogs / Perro de Presa Canario / Presa Canarios
  • Cane Corsos
  • Caucasian Shepherd Dog / Caucasian
  • Ovcharka
  • Chinese Red Dog
  • Czechoslovakian Wolfdogs / Sarlooswolfhounds / Wolf Hybrids
  • Dogo Argentino / Argentine Dogo / Argentinian Mastiff
  • East-European Shepherd
  • Fila Brasileiro / Cao Fila / Saint Miguel Cattle Dog / Azores Cattle Dog / Brazilian Mastiff
  • Fox hound / Foxhound
  • French Gun Dog
  • Greek Harehound
  • Greek Shepherd / Greek sheepdog / Hellenikos Poimenikos
  • Istrian Hound
  • Japanese Tosa / Tosa Inus
  • Karabash
  • Korean Jindo
  • Laizhou Hong
  • Northern Inuit Dogs
  • Pariah
  • Pit Bull Terrier
  • Racing Greyhounds
  • Romanian Raven Shepherd Dog
  • Sabueso Español
  • Shar Pei
  • Thai Ridgeback
  • Turkish Kangal
  • Utonagan

 

Exclusions

This could mean a certain medical condition or part of the body is not covered by your insurance, for example Diabetes may be excluded if your pet suffered from this condition before you started the policy. Alternatively, it could be the removal of a full benefit such as cover for ‘If your pet injures someone or damages their property’, if your pet has injured someone in the past.

Fleas

Fleas are small, wingless bugs about 2.5 mm long. Fleas can be a common cause of skin problems for your pet and can potentially transmit diseases. Flea bites are itchy and can lead to your pet developing allergies. It is important to ensure your pet receives a regular flea treatment to keep your pet healthy. Whilst we would not look to cover the general flea treatments if your pet developed ‘Flea allergic dermatitis’ we could potentially look to cover this confirmed condition.

General exclusion

There are some costs that fall under a General Exclusion on our policies. For example, we are unable to cover any costs associated with cremation. Another example would be any costs associated with neutering post-operative complications. The general exclusions are a company decision deemed not claimable by our underwriters.

Holiday Cancellation

This will provide cover towards costs for the policyholder up to the amount in your schedule if you have to cancel or cut short a holiday because your pet needs emergency treatment in the UK.

We’ll only pay claims if your holiday was booked more than 28 days before you were due to leave and if you aren’t able to get a refund. If you need to cancel your holiday, you’re covered, as long as you don’t cancel more than 14 days before you were due to leave.

Illness

Illness means sickness, disease, infection or any change in your pet’s normal and healthy state which is not caused by an accident or injury.

 

Inception date

Also known as commencement date or start date, this is the start date of your insurance policy. You are able to select a date up to 30 days in advance for your policy to start. You will not be covered for accidents within the first 2 days, or illnesses within the first 14 days of your policy start date (if your policy covers illness as well as accidents).

 

Injury

Damage to one or more parts of your pet’s body as a result of an accidental cause.

 

Insurance Product Information Document

An Insurance Product Information Document (IPID) document is a summary of the benefits included, exclusions, restrictions, areas of cover, how your policy is paid and your rights and obligations.

Kennel and Boarding fees

There may be times when you unexpectedly won’t be able to look after your pet because you need to stay in hospital for emergency care. If this happens, we’ll pay towards putting your pet in a cattery or kennel, or the cost of a licensed pet minder or professional dog walker.

Leishmaniasis

Leishmaniasis is a disease caused by a protozoan parasite found in dogs and certain rodents in many parts of the world, most commonly in rural areas. Leishmaniasis falls under a general exclusion on all of our policies and we do not look to cover any costs associated with this.

 

Lifetime condition limit

For Lifetime policies with an Annual condition limit, there is no limit as to how many conditions you can claim for in a year. For Lifetime policies with an Annual policy limit, we’ll pay vet’s fees up to your chosen annual policy limit in one policy year.

For Time Limited policies a lifetime condition limit does not apply. Time limited policies provide cover for 365 days from the day signs for the condition started or up to the condition limit, whichever is first.

For Max benefit policies, this is the amount available for each condition, with no time limits, as long as the policy remains live.

For Accident only policies there is a lifetime condition limit of £15,000 for continuing treatment related to each accident as long as the policy remains live.

 

Lifetime policy

We have 2 types of Lifetime policies with different levels of cover. Our Super, Superior, Superior Plus and Prestige policies have an ‘Annual condition limit’ to cover each condition (or illness) your pet may suffer.

We’ll pay the vet’s fees for each condition, up to your chosen cover limit. Once a specific condition has reached the limit chosen, that condition will not be covered until the policy renews and the limits become available again for each condition. This means that some chronic conditions like arthritis, can be covered year after year and does not impact on the amount of cover you have left for any other conditions your pet may suffer from in that policy year. A Lifetime condition limit does not apply.

Each condition is subject to the Annual condition limit. This limit refreshes at renewal year after year, as long as you have the policy with us.

Our Assure and Assure Plus policies have an ‘Annual policy limit‘ and we’ll pay vet’s fees up to your chosen annual cover amount in one policy year. This means that you have an annual limit and each payable claim submitted will be deducted from this total.

There is no limit to the number of claims you can submit and you can submit claims until the annual limit has been reached. Once you reach your annual limit in that policy year, you’ll not be able to make any more claims until you renew your policy and the amount becomes available again. This means that some chronic conditions, like epilepsy, can be covered year after year.

The policy needs to be renewed to ensure your pet is covered for new treatment for illnesses and injuries in the following policy period (usually a year). This means a long-term or recurring illness or injury that has needed treatment in one year will be covered again by the policy the next year. There is no limit to how many times the illness or injury can be covered in this way, as long as the insurance policy is in force.

Max Benefit policy

Maximum Benefit policies let you claim up to a set amount for vet fees for each condition your pet might have. For example, if you have our Max Value policy, your limit for each condition will be £1,000. You can claim for as many conditions as you need to, as long as you stay within the limit for each condition. At the renewal after the condition started, we’ll add an exclusion to your policy – but you can carry on claiming for the condition if you haven’t already reached your limit. Once you reach the limit for a condition, you won’t be able to make a claim for it again even if you renew.

 

Microchip

A small chip that holds the owner’s personal information, which sits under the surface of the pet or horse’s skin. This allows the owner to be contacted in the event of an emergency. All vets, rescue centres and charities have microchip scanners in the event someone was to lose their pet or horse.

Neutering

When a dog or a cat is neutered, an operation is carried out which prevents the animal from being able to breed. Castration is the term used to describe the neutering of a male animal and spaying is the term used to describe the neutering of a female animal.

Onset date

An onset date may be requested in order to proceed with a policyholder’s claim. An onset date is the date that you first noticed the pet’s signs or symptoms prior to making an appointment with your veterinary practice.

 

Over Policy Limit

Over policy limit is where claimable costs may exceed your annual condition limit therefore some of the costs may be deducted as ‘over policy limit’.

Pawtal

Pawtal is our online claims system for vets to use. Pawtal allows us to pay the policyholder or vet directly.

Vets will need to register on our Pawtal system and can submit claims the same day. There is no paperwork for the policyholder or the vet to complete so when a vet uses Pawtal, it minimises delays and our claims assessors can review the claim quicker.

 

Policy documents

Policy documents are the information you need about your policy. This includes a Policy Booklet, a Policy Schedule and an Insurance Product Information Document.

 

Policy term

The policy term is how long the policy runs, in other words, the period you are covered for. All our policies are 12-month contracts.

 

Policyholder or Policy owner

The policyholder is the legal owner of the policy, and the person legally entitled to the benefits from it in the event of a claim. They’re the person named on the policy schedule.

 

Pre-authorisation

If your vets are registered to our Pawtal system, we can pre-authorise any condition or any amount of treatment that would be required in a 24-hour period prior to it going ahead for your peace of mind. Please note that treatment authorised will be subject to your policy terms and limits.

If submitted between 9am and 5pm we aim to provide an outcome within the hour. Your vet should be able to tell you if they’re signed up to the service.

If your vets are not signed up to our Pawtal system, you can still download a claim authorisation form for your vet to complete and send to us. Once we have received a completed form, we’ll reply within 5 working days.

 

Pre-existing condition

We consider a condition to be pre-existing if your pet showed any signs or symptoms of it before your cover start date, whether they needed treatment previously or not.

We do not cover pre-existing conditions. We can start covering some conditions again if they haven’t needed – or been recommended to have – treatment from you or the vet in the last 24 months.

If a vet says a condition does need treatment during this time, and you delay getting it, we won’t cover that condition. We don’t cover any pre-existing chronic conditions, for example, diabetes, arthritis and epilepsy.

 

Premium

A premium is the amount you pay for your policy. You can choose to pay annually or monthly by Direct Debit allowing you to spread your premium over the course of the year at no extra cost.

 

Public Liability

There may be a time when someone holds you responsible for an incident involving your pet or horse. For example, your or their actions might result in someone being killed, getting injured or having their property damaged. If someone makes a legal claim against you due to an incident involving your pet or horse, we’ll cover your legal costs. If we’re settling a legal claim, we’ll also pay compensation and legal costs for the person making the claim.

Quote

You can get a quote to find out how much different types of pet insurance may cost you. You’ll need to provide some personal information about you and some details about your pet.

Renewal

Renewal is when your policy continues following the end of the policy year. If you pay by Direct Debit your policy will renew automatically. If you pay annually and agreed to have payments automatically taken at renewal, then no further action is needed. For other payment methods, please call us on 0344 557 0300.

 

Reoccurring condition

This means the reappearance of a condition, clinical sign or symptom of an illness after a period of remission.

 

Repeat medication claim form

A form to claim ongoing medication following a previous claim for a specific condition. This can only be completed by the policyholder and proof of medication purchase will be required.

 

Routine and preventative treatment

Routine and preventative treatment includes things like vaccinations, spaying, castration, and flea and worming treatment. These, or any conditions that arise from these and other routine and preventative treatments, are not covered by our policies.

Schedule

A schedule is a document which contains important information about you and your policy which forms part of the policy documents.

 

Short-term cover

If your pet were to contract an illness such as diabetes, this policy would help with paying vet fees (excluding the excess) for a period of up to 12 months from the date the condition started, and up to the maximum condition limit. The cover for that condition would then end and the condition would be excluded from your policy.

 

Spaying

When a dog or a cat is neutered, an operation is carried out which prevents the animal from being able to breed. Castration is the term used to describe the neutering of a male animal and spaying is the term used to describe the neutering of a female animal.

Theft & Straying

We’ll cover some of the cost of finding your pet if they’re stolen or go missing from your home. For example, we’ll cover the cost of advertising and a reward, up to the amount shown in your schedule. We’ll only do this if they were under the control of you or a member of your immediate family at the time.

If your pet is stolen from your home, garden or car, we’ll only cover cases that involve illegal entry. This includes if someone broke into your locked car to steal your pet. You’re also covered if your pet is lost or stolen while you’re out on a walk.

 

Time Limited policy

Time Limited policies cover each new condition for 12 months – as long as you renew your policy. The 12 months starts from the date your pet first showed signs or symptoms of the condition. At the end of the 12-month period, we won’t cover that condition any more even if you renew.

 

Transport Costs

On our Prestige policy, this will provide cover towards the cost of transport between practices if your vet refers you to another practice, for example a referral centre or out of hours hospital.

 

Treatment

Treatment of an illness or injury may include veterinary care, examinations, hospitalisation, surgery, diagnostic procedures, medication and nursing.

Vaccinations

Pet Vaccinations are provided by your veterinary practice to prevent your pet from falling ill. Your pet will be vaccinated against a core group of infectious diseases that can affect pets and humans. If your pet’s vaccinations are not up to date, or you choose not to vaccinate your pet, your policy will still be valid. However, any conditions that your pet may develop that can be prevented by the vaccinations will not be covered.

 

Vet

A fully qualified veterinary surgeon who holds a current license with the Royal College of Veterinary Surgeons. UK vets are required to hold a licence with the Royal College. Vets qualifications are referred to as MRCVS at the end of their name.

 

Vet fees

The costs incurred after seeking veterinary treatment for any clinical sign, symptom, accident, injury or illness suffered by your pet.

Waiting period

Most pet insurance companies will have a waiting period between the policy start date and when your pet is covered for accidents and/or illnesses. This is to ensure coverage is for new injuries or conditions, not for problems that have already developed (pre-existing conditions).

With Animal Friends policies, you will not be covered for accidents within the first 2 days or illnesses starting within the first 14 days of your policy start date.

 

Worms

Dogs and cats can be victims of several intestinal parasites frequently referred to as worms. The most common are roundworms, hookworms, lungworms, whipworms and tapeworms. A dewormer solution can be used to rid your pet of worms. If untreated, your pet may suffer from sickness, diarrhoea, weakness, weight loss, coughing and wheezing (lungworm). Please note if your pet is not up to date with worming treatment, we may not look to cover claims associated with this.