Pet insurance

• Veterinary fees – The amount you’ll get towards the fees will depend on the level of cover you choose
• Third party liability – Many pet policies also cover you against third party liability if your pet causes damage or injury. This can be especially useful for larger dogs. Third party liability isn't available for cats.
• Dental work – Most policies include treatment for dental accidents. Some comprehensive policies cover dental illness, usually with a fee limit
• Other cover features - Depending on the policy or extras you have you may have cover for loss, theft or death; emergency minding; travel abroad and more

Pet insurance is designed to cover unexpected vet treatment related to accidents or illness, which means it won’t cover things classed as routine or cosmetic treatments such as:

• Neutering
• Grooming
• Vaccinations
• Flea treatments
• Wormers
• Nail clipping

All our policies cover conditions that ended at least two years ago and we have a policy that can cover more recent conditions. It’s called Pre-existing and is available for pets under nine and covers conditions that ended at least three months before your policy starts. Most other companies don't cover pre-existing conditions.

Pet insurance isn't compulsory but many owners choose it to cover their pet for expensive vet bills.

Dogs are more likely to need vet treatment as they get older and pet insurance can cover some of those costs. Not all providers cover older dogs but we have policies that can cover pets of any age and will pay for conditions that ended at least two years ago. If you choose lifetime insurance while your dog is young it means conditions it develops will continue to be covered each year you renew.

Yes, whether your pet is neutered or spayed is one of the factors we and many pet insurance providers use to decide your price.

Lifetime pet insurance refers to policies that have a vet fee limit that resets each year you renew. You can claim up to the full vet fee limit every year and they provide continued cover for conditions your pet may develop during its lifetime. Find out more about how lifetime pet insurance works.

The excess is the amount of the claim you cover and it is usually deducted from the payout for your claim. If your pet is under nine we offer a choice of excess and unlike many other insurance providers we only take an excess once a policy year rather than on every claim. The excess helps keep the cost of your premium down.

Routine treatments and appointments such as check ups are not covered by insurance.

Diagnosis of conditions can be covered by your policy so if your vet needs a blood test to find out what’s wrong then you can claim for it.

The price of your policy is calculated based on a number of factors such as the breed and age of your pet, where you live and the level of cover you’re looking for. If you want to see your price it’s easy to get a quick quote. Or you can find out more about the cost of dog insurance here.

Some policies have terms that state they might not pay a claim if you have more than one policy. If you’re considering overlapping policies when switching providers you don’t have to do that when you move to our cover. If you switch straight from another provider with no gap in cover there is no waiting period for claims.