Surewise Pet Insurance Review

Ronny Lavie By Ronny Lavie

Key policy features

  • Five levels of cover to choose from

  • 10% multi-pet discount

  • Interest-free monthly payments

  • Cover for emergency expenses abroad

    • Find out if Surewise Pet Insurance made it into our list of the Top 10 Pet Insurance Providers.

    Or, read on to learn more about:

    What types of Pet Insurance does Surewise offer?

    Surewise offers cover for dogs and cats and has five levels of cover available:

    Gold

    This is a per-condition policy which includes £6,000 per condition for vet fees.

    It also features £1,000 for complementary treatment; £3,000 for cruciate ligament; £6,000 for dental treatment as the result of an accident; £1,500 for CT/MRI scan and associated costs; £300 for prescription diet; up to £1,000 cover for death from accident or illness; £2m for Third party liability (dogs only); up to £1,000 for loss from theft or straying; up to £1,250 for holiday cancellation; £1,000 for emergency expenses abroad; and up to £1,000 for advertising and reward if your pet is stolen or goes missing.

    Silver

    This is a per-condition policy that includes £3,000 per condition for vet fees.

    It also features £750 for complementary treatment; £2,500 for cruciate ligament; £3,000 for dental treatment as the result of an accident; £1,000 for CT/MRI scan and associated costs; £200 for prescription diet; up to £500 cover for death from accident or illness; £1m for Third party liability (dogs only); up to £500 for loss from theft or straying; up to £750 for holiday cancellation; £350 for emergency expenses abroad; and up to £500 for advertising and reward if your pet is stolen or goes missing.

    Bronze

    This is a per-condition policy that includes £1,500 per condition for vet fees.

    It also features £500 for complementary treatment; £1,000 for cruciate ligament; £1,500 for dental treatment as the result of an accident; £500 for CT/MRI scan and associated costs; £100 for prescription diet; up to £350 cover for death from accident or illness; £1m for Third party liability (dogs only); up to £350 for loss from theft or straying; up to £350 for holiday cancellation; £150 for emergency expenses abroad and up to £300 for advertising and reward if your pet is stolen or goes missing.

    Essential

    This is a time-limited policy that includes £1,500 for vet fees per 12 months; £500 for complementary treatment; £1,000 for cruciate ligament; £1,500 for dental treatment as the result of an accident; £500 for CT/MRI scan and associated costs; £100 for prescription diet and £1m for Third party liability (dogs only).

    Accident only

    This policy only covers your pet for injuries (not illness) and includes £1,000 for vet fees per 12 months; £500 for complementary treatment for cats and £750 for dogs; £500 for cruciate ligament; £500 for dental treatment as the result of an accident; £500 for CT/MRI scan and associated costs; £300 for death as a result of an accident only and £1 million for Third party liability (dogs only).

    The cover levels of Surewise's Gold and Silver policies compare well with other pet insurers and it does cover claims relating to cruciate ligaments, which some companies exclude.

    However, it's important to note that Surewise's policies are per condition or time-limited, rather than lifetime. For per condition, that means if you reach the limit for a condition you will have to pay for any subsequent treatment relating to it.

    For more information about what per-condition and time-limited policies are, check out our Pet Insurance FAQs.

    The Gold, Silver and Bronze policies all include overseas travel cover up to 1 month and £250 for loss of PETS passport.

    An excess fee of £85 per claim (£250 for third party liability) applies to all policies, and they all have an exclusion period of 24 hours for accidents and 10 days for illness.

    Surewise does not cover dogs younger than 8 weeks and older than 10 years, and cats younger than 8 weeks and older than 8 years.

    See how Surewise Pet Insurance compares to other providers in our guide to the best pet insurance for dogs and for cats.

    Is Behaviour Training covered by Surewise Pet Insurance?

    According to Surewise’s terms, behaviour therapy is not covered by any of their policies, unless the problem is a direct result of an insured incident (accident).

    How much does Surewise Pet Insurance cost?

    For this review, we got example quotes from Surewise in June 2017 for a 3-year-old Staffordshire Bull Terrier in Milton Keynes. The prices were as follows:

    • Surewise Gold Pet Insurance: £19.42 per month / £233.09 annually

    • Surewise Silver Pet Insurance: £16.53 per month / 198.33 annually

    • Surewise Bronze Pet Insurance: £9.70 per month / £116.35 annually

    • Surewise Essential Pet Insurance: £8.33 per month / £99.95 annually

    • Surewise Accident Only: £70.40 annually (no monthly rate was given in the quote)

    According to the Surewise website, Accident Only cover starts at £46.48 for cats and £67.15 for dogs.

    However, do bear in mind that the cost of pet insurance is affected by many different factors, such as the type and breed of pet, the pet’s age and medical conditions, and the owner’s postcode.

    Are promotional codes available for Surewise Pet Insurance?

    Yes, several discount and cashback websites are currently offering deals on Surewise Pet Insurance:

    • Quidco offers £25 cashback for any Surewise pet insurance policy purchased through their Quidco compare service

    • Imutual.co.uk and dailydealscashback.co.uk are offering £7.80 cashback on Surewise Pet Insurance (cash-back deals are also available on several other Surewise insurance products)

    • TopCashback offers between £11.02 and £20.47 for Surewise Pet Insurance

    Additionally, Surewise offers a 10% discount for customers insuring two or more pets (see how this compares to other pet insurers in our multi pet insurance review).

    Surewise Pet Insurance customer reviews

    On Trustpilot, Surewise Pet Insurance received 5 out of 5 stars and a score of 9.3 out of 10, giving it a rating of Excellent, based on over 1,060 reviews as of June 2017.

    Expert reviews of Surewise Pet Insurance

    Independent financial researcher Defaqto rated Surewise’s Gold, Silver and Bronze policies as 3 Star, the company’s Essential policy as 2 Star and their Accident Only policy as 2 star for dogs and 1 Star for cats.

    A Star Rating indicates where a product or proposition sits in the market based on the quality and comprehensiveness of the features it offers.

    A 3 Star rated policy “has an average level of features and benefits”, a 2 star policy “has a below average range of features and benefits” and a 1 star policy “has a low level of features and benefits.”

    How to make a claim on Surewise Pet Insurance?

    Step 1: Take your pet to the vet to be treated.

    Step 2: Contact Surewise’s claim line on 0333 220 5516 no later than 60 days after the incident.

    Step 3: Surewise will send you a claim form – fill in the parts relevant to you and sign it.

    Step 4: Ask your vet to fill in the sections of the form relevant to them and sign it.

    Step 5: Send the form, along with all the relevant documents to:

    Sure Wise Limited,

    Unit 3 Hadleigh Park Business Park

    Chapel Lane

    Benfleet

    Essex

    SS7 2PP

    Step 7: Surewise will assess your claim and pay your vet directly. The company’s website does not give a time-scale for this.

    If you require further help call Surewise’s customer helpline on 01268 200 020 (lines are open Monday to Friday 9am-5pm).

    Other services available from Surewise

    Surewise offers a wide range of insurance products in the Home, Car, Lifestyle, and Business categories. The company also offers advice and information in their online magazine, SureMag.

    This article was independently written by Bought By Many. We were not paid to write it, but we may receive commission for sales that result from you clicking on a link to one of our partners.

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