Find out what's included in this cover level
What is my pet covered for?
At any time, just like us, our pets can fall ill or have an accident resulting in costly vet fees and treatment to get them back on their paws. You can claim up to £1,500 or £3,000 for each new medical condition for up to 12 months from the first treatment date. If you make a claim and have any remaining cover benefits you wish to use in the next policy year, you must renew your policy with us and there must be no break in cover.
If while you’re visiting someone else’s property your pet causes accidental damage to their personal property, then you can claim up to £500.
Third Party Liability
For dog owners, the legal responsibility for injury to others or damage to someone's property lies with you. For that reason, we offer third party liability cover for up to £1,000,000 for added peace of mind. Exclusions apply.
Lost and Found
You can add Lost and Found cover so if your pet goes missing, you can claim up £1,000 for advertising and up to £1,000 for a reward for their safe return.
If you fall ill and you're in the hospital on medical advice for a period of more than 4 days in a row and no other member of your family is able to look after your pet, then you can claim up to £1,000 to cover the boarding costs for the whole of your hospital stay.
What isn't my pet covered for?
When claims for a medical condition have reached the vet fees limit then payments will stop for that condition and it is excluded from future claims.
Any changes you or your vet notice in the health or behaviour of your pet before this policy started.
Any illnesses occurring within the first 14 days of your cover start date.
Any accidents within the first 48 hours of your cover start date.
Any treatment for cruciate ligament (within the knee) problems within the first 14 days of your cover start date will not be covered.
Other exclusions apply.
Why do pets cost more to insure as they get older?
Like us, as pets get older, sadly they're more likely to get ill. In fact, our claims data shows that the cost of looking after your pet's health doubles every four to five years. That's why your renewal price increases each year and your excess will increase when your pet turns nine.
Unfortunately, once a pet has been taken ill, in general, they're more likely to get ill again. That's why, if a claim is paid, the price you will pay next year can double.
It’s important you budget for renewal prices to increase as your pet gets older. How much they go up is different for everyone and depends on things like your pet’s breed, their age and health, and there is no limit to how much your renewal price can increase over time.
You can read the full policy terms and conditions in our Policy wording document. You can find this in our policy documents section.