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 for treatment to get them back on their paws. With Premier, our lifetime policy, your pet is covered for injuries and illnesses (including one-off, reoccurring and ongoing) up to your chosen vet fees limits, as long as you renew each year and there’s no break in cover.
You can claim vet fees of up to £4,000 (with each injury or illness limited to £1,000 of vet treatment) or £12,000 (with each injury or illness limited to £4,000 of vet treatment) each year, for each pet you insure.
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 £3,000,000 for added peace of mind. Exclusions apply.
Lost and Found
Lost and Found cover is included 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.
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 the vet limit on your policy.
What isn't my pet covered for?
When your claims have reached the vet fees limits (£4,000 with each injury or illness limited to £1,000 of vet treatment or £12,000 with each injury or illness limited to £4,000 of vet treatment), you will have to pay the treatment bills yourself. 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 reinstate your vet fees limits.
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.
To make sure you choose the right level of cover for you and your pet, please read the full policy terms and conditions below: