{
  "reviewed": "2026-08-28",
  "geography": "United Kingdom",
  "query_family": "greyhound insurance",
  "sources": [
    {
      "id": "trust",
      "title": "Greyhound Trust: pet insurance",
      "url": "https://www.greyhoundtrust.org.uk/pet-insurance",
      "check": "Types of cover, excess, direct payment and exclusions; historic 2018 claim price is not used."
    },
    {
      "id": "homing",
      "title": "Greyhound Trust: homing process",
      "url": "https://www.greyhoundtrust.org.uk/home-a-greyhound/homing-process",
      "check": "The Trust describes four weeks of Petplan insurance with adoption; confirm activation and terms with the branch."
    },
    {
      "id": "moneyhelper",
      "title": "MoneyHelper: pet insurance",
      "url": "https://www.moneyhelper.org.uk/en/everyday-money/insurance/do-you-need-pet-insurance",
      "check": "Policy types, medical-history disclosure, excess, limits and switching risk; no example premium copied."
    },
    {
      "id": "manypets",
      "title": "ManyPets: co-payment options",
      "url": "https://manypets.com/uk/help/articles/what-co-payment-options-do-you-offer/",
      "check": "Percentage applied after fixed excess; newer and older plans have different age thresholds. No blanket rule for every policy."
    }
  ],
  "questions": [
    {
      "topic": "Adoption cover",
      "question": "If rehoming through Greyhound Trust, when does the advertised four-week Petplan cover start and finish, and what must I activate?",
      "evidence": "Activation confirmation and exact start/end dates",
      "source": "homing"
    },
    {
      "topic": "Retired racer history",
      "question": "What records do you need from the rescue, former owner and previous vets, including racing-era treatment?",
      "evidence": "Records received, declared history and written insurer response",
      "source": "moneyhelper"
    },
    {
      "topic": "Existing conditions",
      "question": "Which past symptoms or conditions will be excluded, and is any exception confirmed in writing?",
      "evidence": "Named exclusions and applicable waiting periods",
      "source": "moneyhelper"
    },
    {
      "topic": "Cover duration",
      "question": "Does cover renew annually for ongoing conditions, stop after a time limit, or stop when a per-condition pot runs out?",
      "evidence": "Policy type, renewal rules and limits",
      "source": "trust"
    },
    {
      "topic": "Fixed excess",
      "question": "Is the fixed excess charged per year, per condition or per claim, and how much remains unpaid?",
      "evidence": "Schedule wording and already-paid excess",
      "source": "trust"
    },
    {
      "topic": "Co-payment",
      "question": "When does a percentage contribution start, what amount is it applied to, and does my exact plan differ from current new-business terms?",
      "evidence": "Rate, age/renewal trigger and calculation order",
      "source": "manypets"
    },
    {
      "topic": "Sub-limits",
      "question": "Are dental, behavioural, hereditary or other sections restricted by separate terms or limits?",
      "evidence": "Relevant section and applicable limit, not just the headline cover",
      "source": "trust"
    },
    {
      "topic": "Cash at the vet",
      "question": "Will this vet accept direct payment from this insurer, and what must I pay before reimbursement?",
      "evidence": "Confirmation from both vet and insurer",
      "source": "trust"
    },
    {
      "topic": "Switching",
      "question": "Would moving insurer exclude an already-recorded problem, even if the new premium is lower?",
      "evidence": "Written new-provider terms before cancelling existing cover",
      "source": "moneyhelper"
    },
    {
      "topic": "Total annual premium",
      "question": "What is the total annual amount including any instalment charges, rather than only a headline monthly price?",
      "evidence": "Dated quote or renewal notice; do not put personal details in the worksheet",
      "source": "moneyhelper"
    }
  ],
  "model": {
    "status": "Conditional arithmetic illustration, not a quote or claim decision",
    "order": "Remove excluded charges, apply unpaid fixed excess, apply co-payment to the remainder, then cap insurer payout.",
    "limit_definition": "Maximum remaining insurer payout on this one claim, not automatically the headline annual treatment-cost limit.",
    "excluded": "Multiple conditions or claims, renewal changes, waiting-period decisions, treatment eligibility and any different contractual calculation order.",
    "example": {
      "annual_premium": 600,
      "bill": 2000,
      "excluded": 0,
      "excess": 100,
      "copay": 20,
      "payout_cap": 5000
    }
  }
}