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For Dogs and Cats
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For Dogs, Cats and Horses
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| Affordable Premiums |
Online Purchasing |
Specialist Insurers |
Clear Policies |
Click here for our Disclosure Document
What does Pet Insurance cover?
Pet Insurance cover varies depending on what level of cover you choose, and what type of pet you have. For example, you do not normally receive third party cover with cat insurance, but you would with dog and horse insurance.
Here's a general idea of what you can expect your pet insurance policy to cover:
Dog |
Cat |
Horse |
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Vets fees (accident or illness) |
Yes |
Yes |
Optional |
Death |
Yes |
Yes |
Yes |
Loss by theft or straying |
Yes |
Yes |
Yes |
Third party costs if your pet causes an accident that you are liable for |
Yes |
No |
Yes |
Advertising costs and reward if your pet is lost or stolen |
Yes |
Yes |
Yes |
Boarding fees if you become hospitalised |
Yes |
Yes |
n/a |
Holiday cancellation costs |
Yes |
Yes |
n/a |
Why get Pet insurance?
One in three people will make a claim on their pet insurance at some point. That's a high statistic compared to car insurance (one in seven) and home insurance (one in nine). Keeping a pet can be expensive, and the best way to protect yourself from the extra expenses that can be incurred is to insure your pet. This way, there'll be no nasty surprises if your pet falls unexpectedly ill or is injured - or causes you expense for another reason. As you can see from the table above, pet insurance covers a wide range of eventualities - making it an essential purchase for any pet owner!
Top five pet insurance claims
- Vets fees (Illness)
- Vets fees (Accident)
- Death due to illness
- Death due to accident
- Loss by theft/straying
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Top Tips for Pet Insurance buyers
Examine your policy documents.
Make sure that everything you need including is included in your pet
insurance policy. Inclusions in a standard policy can vary considerably between insurers.
Try and get a discount.
If you have more than one pet of one type i.e. cat or dog, then get them insured together and you may make a saving of 10% or more. You won't be able to insure both a cat and a dog on the same policy.
Think of the future.
If your pet develops a chronic condition you won't be able to make a claim once your insurance year has run out. The only way to avoid this scenario of having a pet with a 'pre-existing condition' is to get 'Cover for life' pet
insurance, which as long as you stay with the same insurer, means your pet's condition will be covered for the duration of its life.
Age matters.
If your cat or dog is aged 8 or over you will have trouble getting pet
insurance. Some, but not many insurers offer senior
pet insurance. If you would like your pet to be covered for life, we recommend you arrange pet
insurance at least 6 months before your pet's 8 th birthday, because once your pet is insured then you can carry on for the rest of your pet's life, regardless of age.
Some pets cost more than others.
If you have a select breed dog you will have to pay an extra supplement. This is because some breeds are more prone to injury and illness than others. See our Frequently Asked Questions for more details.
Remember the excess.
Every time you make a claim you will have to pay an excess fee, but this is a low payment usually set at between £35 and £50. To lower your premiums, you can normally agree a higher voluntary excess.
Forget the no claims.
There is no such thing as a no claims discount in pet insurance. It doesn't matter how many claims you make in one year, you will only need to help with the payments if you exceed your maximum insured allowance for the year.
Make travelling with your pet easy.
If you travel regularly with your pet then pet travel insurance is highly recommended. It means that you are covered for a wide range of eventualities just as you are in the UK.
Pet travel insurance
If you travel abroad regularly with your pet - the chances of your pet falling ill or suffering an injury while abroad is naturally more likely. That's why we offer specialist pet travel insurance, ensuring that if your pet needs veterinary attention while abroad, you are covered for the costs just as you would be in the UK.
Some of the aspects of pet travel insurance are particularly reassuring. For example, if your pet goes missing and you are forced to extend your holiday to look for your pet, you will be covered for your accommodation. Or if your pet unfortunately dies while abroad, the cost of your pet's disposal or repatriation to the UK for burial will be covered. Pet travel insurance helps take some of the stress out some potentially quite difficult situations, and is well worth buying if you travel abroad regularly with your pet
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Hot Topics
- What are the principles of pet insurance?
- Pet insurance is designed to take the worry out of owning a pet – ensuring that if your pet falls ill or has an accident, you can take your pet straight to the vet without having to consider potentially expensive vet bills.
- What is not covered by my pet insurance policy?
- There are a number of situations in which your pet will not be covered by a pet insurance policy.
- How can I pay my premiums?
- You can either pay by monthly direct debit or with an annual one-off payment.
How does Pet Insurance work?
It's easy to make a claim for vet fees on your pet insurance. Simply follow the easy steps below:
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Take your pet to the vet to be treated |
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Make sure your vet is prepared to complete the claim forms and provide invoices |
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Pay the vet for the treatment |
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Request a claim form from your insurance company |
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Complete your section of the claim form and then ask your vet to complete their part |
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Send the claim form and invoices to your insurer |
Most insurers are happy to make claim payments directly to your vet, although you will need to check with your vet first that they can do this. Then simply advise the insurance company on the claim form that they are to pay the veterinary practice directly.
To find out how to make a claim in other situations i.e. death of a pet, or holiday cancellation - please refer to the Frequently Asked Questions area of the site.
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