Pet insurance
8 out of 10 customers renew their pet insurance with us*
The experts really rate our Premier dog insurance
We are proud to have been awarded Which? Best Buy Dog Insurance for our £6,000 Premier cover. Rest assured that your pets are in safe hands with one of the highest quality offerings on the market.
Do you have a policy with us?
Make or track a claim, renew or get help with your pet insurance.
Why choose our pet insurance?
We offer four levels of dog and cat cover to help you find the cover to suit your needs
24/7 vetfone service
You have freephone access to speak to qualified veterinary nurses any time, any day with vetfone.
Claims made easy
We pay 9 out of 10 customers claims*, so you don't have to worry about the unexpected.
Multi-pet discount
You can receive a 10% discount for each pet that you insure on the same policy. Discounts applied consecutively.
Pet insurance to suit your needs
Dog or puppy insurance
Protect your pup with a choice of Accident only, Basic, Classic or Premier cover.
The experts really rate our Premier dog insurance
Our Premier pet insurance has achieved a 5 Star Defaqto Rating**.
Compare our pet insurance cover levels
Accident only
Basic (Time Limited)
Classic (Maximum Benefit)
Premier (Lifetime)
Vet fees limit
Vet fees limit
Vet fees limit
£2,500
Vet fees limit
£1,500 or £3,000
Vet fees limit
£4,000 or £8,000
Vet fees limit
£1,000, £2,000, £4,000 or £6,000 for each accident or illness each year
Accident cover
Accident cover
Illness cover
Illness cover
Third party liability (for dogs)
Third party liability (for dogs)
Accidental damage
Accidental damage
Dental – Accident only
Dental – Accident only
Emergency boarding
Emergency boarding
Lost and found cover
Lost and found cover
Optional
Optional
Pets abroad cover
Pets abroad cover
Optional
Complimentary treatment cover
Complimentary treatment cover
Farewell cover
Farewell cover
Optional
Optional
Optional
***Dental care up to £2,000. Your dog must have a dental check every 12 months.
After your dog has had their first check and any necessary work has been completed, we pay for treatment for tooth decay or gum disease that occurs before the next 12 month check or at the time of the next check.
- For teeth or gums that have been damaged in an accident
- If an underlying illness causes tooth decay or gum disease
- To remove teeth to treat an illness that is not gum disease or tooth decay.
More about our cover levels
Accident only
With our lowest level of cover your pet will be covered for unexpected mishaps. You’ll be able to claim vet fees for a period of 12 months from the first date of treatment for an accident or until the vet fee limit is reached, whichever happens first.
Basic
Also known as Time Limited. Our Basic policy provides cover for each new accident or illness for a period of 12 months from the first date of treatment or until your chosen vet fee limit is reached, whichever happens first.
Classic
Also known as Maximum Benefit, our Classic policy provides cover for vet fees up to your chosen vet fee limit for each new accident or illness. There is no time limit in which you can use your vet fee limit.
Premier
Also known as Lifetime cover, our Premier policy provides cover for vet fees up to your chosen vet fee for each new accident or illness each year. As long as you renew your policy with no break in cover, the vet fee limit is reinstated each year.
Premier policies bought before 20 March 2022
If you took out a pet insurance policy with us before 20 March 2022, different limits may apply.
If your policy has both a total vet fee limit as well as a limit per accident or illness, then both these limits will apply until notified at renewal. Depending on the level of cover selected, your policy will either be subject to a total vet fee limit of up to £4,000 (with each accident or illness limited to up to £1,000 of vet treatment) or up to £12,000 (with each accident or illness limited to up to £4,000 of vet treatment) each year.
If your policy has a total vet fee limit only, then this will remain unchanged.
More details on the vet fees limits that apply to your policy can be found in your schedule, or on your policy documents. If you're unsure, get in touch.
Ready to start a pet insurance quote?
Our partnership with Dogs for Good
We've teamed up with Dogs for Good, a life-changing charity who create partnerships between people living with disabilities and specially trained assistance dogs.
What's not covered by insurance
- Vaccinations
- Spaying or castration
- Flea or worming treatments
- Grooming
- Microchipping
Useful guides
Important information
*MORE THAN data from February 2022 to January 2023
**Our Defaqto rating applies to Premier £1,000, £2,000, £4,000 and £6,000, and Classic £8,000