The price of insurance depends on your pet's breed, age and sex, as well as the selected insurance options. Find out the price here.
We do not require an initial examination. You only need to complete the health questionnaire in your pet's profile in the Client Zone.
Each pet must have its own insurance policy, with its own history and records.
No. You can visit any veterinarian in our contracted network and you do not need to notify us of the change.
The insurance becomes active on the day after we receive the first premium payment. However, claims are covered only after the waiting period has elapsed: 3 days for accidents, 30 days for illness and 6 months for selected orthopaedic conditions. In exceptional cases, an individual waiting period may be stated in a particular insurance policy; we will always clearly inform you of this when you take out the insurance.
The co-payment starts at 10%, with a minimum of €40 per diagnosis. You choose the co-payment amount when taking out the insurance. If treatment requires several visits, the minimum co-payment applies to the entire course of treatment (the series of visits), not to each visit separately.
The annual coverage limit is the total amount you can claim during a given policy year. If you use up this limit, you will need to pay any further veterinary costs yourself. The limit is renewed on the policy anniversary.
Our aim is for your pet to remain insured throughout its life. If you took out the insurance while your pet met the entry age limit, the insurance can continue for the rest of its life, provided all other policy conditions are met.
Yes, we insure mixed-breed dogs and dogs without a pedigree certificate. In the breed list, select mixed breed – small, medium or large.
Yes. However, you will need an age estimate from a veterinarian.
Any veterinarian can estimate your dog's age.
The insurance is valid only within the Slovak Republic.
We only insure dogs and cats.
We may be able to provide free insurance for assistance dogs for a limited period. Please contact us by email or phone.
A microchip is required for insurance. However, you can take out the insurance before your pet is microchipped, provided the pet is microchipped within 30 days. You must then email us the microchip number. We need to identify the pet unambiguously in order to process and pay a claim, which is not possible without a microchip.
Yes. If you have several pets, we will be happy to prepare a tailored offer. Simply email us at info@mojpetexpert.sk.
No problem. You can find the card in your Client Zone or in the payment portal.
Call our helpline or email us and we will promptly correct or complete the details.
Your due date is the day on which you paid the first instalment. For example, if you took out and paid for the insurance on the 8th day of the month, your premium will always be due on the 8th day of each month.
Once the policy has been taken out, it is not possible to extend the coverage or switch to an option with a higher annual coverage limit. We therefore recommend choosing the option that best meets your needs and expectations when taking out the insurance.
The price remains unchanged during each one-year policy period. The price may change on the policy anniversary. We always inform clients by email about the terms for the next policy period no later than two months before the policy anniversary.
The price is the same whether you pay monthly or make one annual payment.
You can apply the discount code while taking out the insurance in the “Partner/promotion code” field.
The policy is reviewed on its anniversary. Several factors affect the premium, but the pet's age is not the main one. The most important factors include the pet's expected level of risk and changes in veterinary care costs.
You can choose the payment schedule that suits you. You can pay for one month, several months or a full year in advance.
If you do not make a claim and your pet remains healthy, after 24 months we will give you a €40 credit that you can use for preventive care or related products for your dog or cat.
We try to keep the price unchanged throughout the term of the insurance. In exceptional cases, however, the price for the next policy period may be adjusted, for example due to changes in veterinary care costs.
The due date is determined by the date on which the insurance was taken out and remains the same throughout the term of the policy.
In very rare cases, a technical error may occur or we may need more time to verify your entitlement to a claim payment. If this happens, please send us the medical report, invoice, policy number and bank account number through the Client Zone. Our claims team will take over your request and process it as quickly as possible. If a contracted veterinarian is unwilling to handle your claim directly with us, please let us know so that we can resolve the situation as soon as possible.
To make an insurance claim, you need to visit a contracted veterinarian. You can find the list here. In an emergency where your pet's life is in immediate danger, you may visit the nearest available veterinarian. For preventive treatment that is not covered by the insurance, you may visit any veterinarian, including one outside our contracted network.
You can find an overview of everything covered by the insurance on our website. Most claims are straightforward and easy to assess. In some cases, particularly when a pet has only recently been insured, we check whether the health problem began before the insurance was taken out. We can therefore decide whether a claim is covered only after a veterinarian has examined the pet and we have received the necessary medical records. Without this information, we cannot determine the outcome in advance.
If you change your mind before making the first premium payment, you can of course cancel the application. Simply email us or call our helpline. We may also contact you ourselves.
The insurance can be cancelled within two months of being taken out, within three months of reporting a claim, following documented sale or death of the pet, or by submitting notice no later than six weeks before the policy anniversary.
You must submit the cancellation in writing by email. Remember to include your policy number. We will then contact you.
Yes. A policy can be cancelled within two months of being taken out. An older policy can be cancelled no later than six weeks before its anniversary, after a claim, or following documented sale or death of the pet.