Clear explainers — educational guidance only, never insurance advice. Use Ask Clear for plain-English answers to specific questions.
Three main shapes — each works very differently. Understanding the differences is more useful than picking a 'best' one.
Designed to help with problems that may last multiple years. The cover pot refreshes each year.
Ongoing condition starts — treatment covered up to the annual limit.
The bucket refills. The condition can keep being supported.
Ongoing support continues, year after year.
Conditions are normally only covered for a set period (often 12 months) from when they appear.
Best to think of as a "first year" safety net rather than long-term protection.
Helps with accidents — illnesses are usually not included.
The limit is the amount available towards treatment costs. Bigger bucket = more room for big bills.
Higher limits cost more, but help when treatment is expensive — e.g. surgery, scans, specialist referrals.
The amount you pay first, before the insurance considers the rest.
Some policies also apply a percentage excess (often as your pet gets older). Always check both.
Move the sliders to see how cover type, vet fee limit and excess change the picture. Nothing here is a quote — it's just to help you feel the trade-offs.
Annual pot refreshes each year — designed for long-term conditions.
The amount you pay first, before the policy considers the rest.
Illustrative costs only. Real prices vary — always check policy terms.
Your chosen limit could provide more room for this example.
May help, subject to your annual limit and policy terms. Depends on policy terms.
Your chosen limit could provide more room for this example.
May help, subject to your annual limit and policy terms. Depends on policy terms.
Your chosen limit is in the ballpark — not much spare room.
May help, subject to your annual limit and policy terms. Depends on policy terms.
Your chosen limit could provide more room for this example.
Designed for this — the pot refreshes each year, subject to terms. Depends on policy terms.
You pay the first £150. The remaining £1,350 is considered under the policy terms.
Some policies also apply a percentage excess as your pet gets older — always check both.
This simulator is for learning only. It isn't a quote and doesn't reflect any specific insurer's terms.
Health issues that existed before the policy started may not be covered.
This is one of the most common surprises. If your pet already has a known condition, ask the insurer in writing how they would treat it.
Dental cover varies a lot between policies.
Always check the dental section of the policy wording.
The cheapest cover often has the lowest limits and biggest exclusions.
Premiums can rise sharply at renewal, especially after a claim.
Both a fixed and a percentage excess can apply.
Conditions that appear before cover starts can become pre-existing.
Answer a few questions and Clear will explain the features and questions to consider. Educational guidance only — not insurance advice.
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