Find out what's included in our Premier cover
What is my pet covered for?
Vet fees
At any time, just like us, our pets can fall ill or have an accident resulting in costly vet fees for treatment to get them back on their paws. With our Premier (Lifetime) cover, your pet is covered for accidents and illnesses (including one-off, reoccurring and ongoing) up to your chosen vet fee limit, as long as you renew each year and there’s no break in cover.
You can claim vet fees of up to £1,000, £2,000, £4,000 or £6,000 for each accident or illness each year, for each pet you insure. There is no limit to the number of accidents or illnesses you can claim for.
Complementary treatments
Your pet is covered for (up to £1,500):
- Acupuncture
- Homeopathy
- Chiropractic manipulation
- Hydrotherapy
- Osteopathy
- Physiotherapy
Dental care is also covered (up to £2,000), as long as your pet has a check-up every 12 months, covering:
- Tooth decay
- Gum disease
- Accidental damage
- Tooth removal
Behavioural problems (up to £1,000) are covered, if your pet requires treatment due to changes to their normal mental or emotional state following referral from a vet.
Your pet is covered for treatment food (up to £500), but not for obesity or oral hygiene diets.
Accidental damage
If while you’re visiting someone else’s property your pet causes accidental damage to their personal property, then you can claim up to £2,000.
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 £3 million for added peace of mind. Exclusions apply.
Lost and found
If your pet goes missing, you can claim up to £1,000 for advertising and up to £1,000 for a reward for their safe return.
If your pet is permanently lost or stolen, you can claim their purchase or donation price, up to £2,000.
Emergency boarding
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.
Pets abroad
If you take your pet on holiday and they fall ill, we’ll cover the cost of vet care abroad in certain European countries up to your chosen vet fee limit.
Whilst abroad, you're covered for:
- Repeat tapeworm treatment, if your departure home is delayed (up to £250)
- Loss of healthcare certificate (up to £250)
- Quarantine costs, if your pet is unable to travel due to illness or failure of their microchip (up to £1,000)
- Emergency expenses for delayed return home, if your pet needs emergency vet treatment, repeat worming treatment, or your pet becoming lost before you return home (up to £1,000)
- Holiday cancellation/cutting a trip short if, before you go, your pet has gone missing, dies or has to be put to sleep by a vet, or requires life-saving treatment (up to £2,000)
Farewell cover
If your pet has to be put to sleep by a vet, you'll be covered for the cost of cremation or burial up to £200.
vetfone
A freephone advice line, vetfone is available 24/7 to Premier (Lifetime) policyholders. If your pet falls ill, or you need general advice from a vet nurse, you can have a two-way phone or video call with a veterinary expert without having to step out your front door.
What isn't my pet covered for?
When your claims have reached the vet fee limit of £1,000, £2,000, £4,000 or £6,000 for each accident or illness, you will have to pay the treatment bills yourself. There is no limit to the number of accidents or illnesses you can claim for. We won’t put a time limit on how long treatment can last, and as long as you renew your policy and there's no break in cover, we will reinstate your vet fee limit.
- 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.