Lunar month insurance policies

Did you know there's a link between lunar months and pet insurance? Read our guide to lunar month insurance policies to find out what it's all about.

Key points

  • Lunar policies are based on a lunar month rather than a regular month
  • These policies are unusual - you're unlikely to find them through a comparison site
  • As policies are renewed every month they may not be suitable for covering long-term conditions

When you take out a new insurance policy, the payment options are usually to pay in full or to pay in 12 monthly instalments.

But pet insurance is one of the few types of cover where it's possible to pay in lunar months instead.

A lunar month is the time it takes the moon to complete a full phase, from new moon to full moon and back again.

This takes about 29 days, which is shorter than most calendar months.

With a lunar month policy, premiums are paid every 28 days, amounting to 13 instalments a year.

Note that lunar policies are unusual - you're unlikely to come across them if you shop for cover through a comparison site such as Gocompare.com.

Advantages and disadvantages of lunar month premiumsDog and cat

The good thing about lunar month pet insurance is that the policyholder isn't 'tied in' to a contract.

Essentially, a customer purchases a policy just for one month and then renews it every month via direct debit.

Because they're not in a year-long contract they're able to cancel it at any point without penalty.

If you're considering such a policy, though, make sure you read the terms and conditions carefully to ensure it offers the cover you need.

Think about whether the insurance will be suitable as your pet gets older and consider areas such as long-term and pre-existing medical conditions.

You can read more about such areas of cover in our pet insurance guides.

Did you know…?

  • The moon is 4.5 billion years old
  • It's believed to have been formed when a giant rock the size of Mars collided with the earth, and the debris gathered together in space
  • On average, the moon is 238,900 miles from the earth
  • About every two-and-a-half years, there are two full moons in the same calendar month. This is known as a 'blue moon', hence the saying 'once in a blue moon'

By Rebecca Lees