Understand My Policy
Paste policy wording or upload a policy document and Willow will explain it in plain English.
Clear Pet Cover analyses publicly available UK pet insurance information, policy documents and provider information to help explain pet insurance in plain English. Insurance data refreshed weekly. Content last updated: June 2026.
Why policy wording matters
Pet insurance documents can be difficult to understand.
Policy wording often explains these things using insurance terminology that many pet owners have never seen before.
Willow helps translate policy wording into plain English.
Try it — let Willow explain your policy wording
Paste wording from your policy, renewal or claim letter — or upload a PDF. Willow will explain it in plain English.
Your privacy: Files are processed in your browser to extract text only — the PDF itself is never uploaded or stored. The extracted text is sent to Willow, used to generate the explanation, and not saved to any database or log.
What Willow can help explain
Willow breaks down the most common policy sections into language you can understand.
Waiting Periods
How long you must wait before cover begins for different conditions.
Pre-existing Conditions
What your policy considers pre-existing and how it affects claims.
Excesses
The amount you pay towards each claim before insurance contributes.
Co-payments
Percentage of costs you may need to pay on top of the fixed excess.
Treatment Limits
Annual or lifetime caps on how much can be claimed for specific conditions.
Dental Cover
What dental treatments are included, excluded or limited in your policy.
Behavioural Treatment
Whether behavioural therapy and referrals are covered and under what conditions.
Renewals
How your cover may change at renewal and what terms may be updated.
Exclusions
Specific conditions, treatments or circumstances your policy does not cover.
Hidden Limits
Sub-limits buried in policy wording that could reduce expected payouts.
Example
See how Willow turns complicated policy wording into something useful.
Example text only. Not taken from a real policy.
You pay the first £125 for each new condition. After that, you also pay 20% of whatever the vet charges. Your insurer pays the rest. If you have lifetime cover, your annual limit resets every year. If not, once the pot runs out, that condition is no longer covered.
- You pay the excess and co-payment on every claim for the same condition.
- Not all policies reset the limit annually — check whether yours is lifetime cover.
- Some conditions may be excluded if they appear before the waiting period ends.
What Willow does not do
- Willow provides educational guidance only.
- Willow does not recommend insurers.
- Willow does not provide financial advice.
- Willow does not make claim decisions.
Privacy and security
- Documents are processed temporarily.
- Uploaded files are not stored.
- Extracted text is not retained.
- Users should remove unnecessary personal information where possible.
Understand My Policy
Ready to make sense of your pet insurance? Paste your policy wording or upload your document and let Willow guide you through it.
Educational guidance only — not insurance advice. Always check your official policy documents.
Guides you may find useful
Deep dives into the concepts Willow can help explain.