5-star Defaqto rated* cat and dog insurance will make the perfect companion for your 4-legged friend. Get a quote in just 3 minutes.
5* Defaqto rated cover applies to our lifetime Prime, Premier, Premier Plus and our pre-existing conditions Champ plans
We offer 5 types of pet insurance across our cover levels to suit different needs and budgets, whether you’re looking for dog insurance, cat insurance, multi-pet insurance or looking to protect your pet’s pre-existing conditions there’s something to suit, plus we’ve been independently rated as a 5* provider by Defaqto.
To get started, take a look at our guide to cat insurance or read our explainer on dog insurance for more background or explore our cover options below.
Accident only pet insurance
Our Bronze plan covers vets fees following accident and injury only. It doesn’t cover any illnesses or injuries that your pets already have – known as pre-existing conditions – or any new illnesses your pets may get.
It’s an annual plan which provides cover for new injuries occurring after the plan has started, for up to 12 months from first date of treatment of an injury or the plan limit, whichever happens first.
Time-limited cover pet insurance
Our Silver plan covers vets fees following new injuries and illnesses. It doesn’t cover any illnesses or injuries that your pets already have – known as pre-existing conditions.
It’s an annual plan which provides cover for new injuries and illnesses occurring after the plan has started and after the waiting period for illnesses, for up to 12 months from first date of treatment of an injury or illness or the plan limit, whichever happens first.
Cover for an injury or illness ends 12 months after the first date of treatment or when the plan limit is reached, whichever happens first.
Maximum benefit pet insurance
(also known as money limited policies or per condition policies)
Our Gold plan covers vets fees following new injuries and illnesses up to the maximum benefit. It doesn’t cover any illnesses or injuries that your pets already have – known as pre-existing conditions.
It’s an annual plan which provides cover for new injuries and illnesses occurring after the plan has started and after the waiting period for illnesses, up to the maximum benefit.
Cover for an injury or illness ends once the maximum benefit has been reached.
Lifetime cover pet insurance
(also known as lifelong, cover for life, reinstatement, repopulating or renewable benefit policies)
Our Prime, Premier and Premier Plus plans cover vets fees following new injuries and illnesses. They don’t cover any illnesses or injuries that your pets already have – known as pre-existing conditions.
All 3 are annual plans which provide cover for all new injuries and illnesses up to an annual limit each policy year occurring after the policy has started, and after the waiting period for illnesses has elapsed. The annual limit for vets fees is fully reinstated at each renewal.
Pre-existing conditions pet insurance
Our Champ plans cover vets fees following new injuries and illnesses. It could also cover certain pre-existing conditions that you declare which your pet has or has received treatment for in the past.
Champ plans are annual policies which provide cover for all new injuries and illnesses occurring after the policy has started, and after the waiting period for illnesses, up to the annual limit each policy year. The annual limit for vets fees is fully reinstated at each renewal.
If you’re switching from another provider to our Champ plan then we’ll also waive the 14-day waiting period for illnesses.
If you’re insuring 2 or more pets then you’ll receive a 10% discount off your total insurance premium. The offer applies to our Bronze, Silver, Gold, Premier and Premier Plus cover and will be deducted when calculating your quote.
If the unfortunate situation arrives where you need to make a claim on your policy, we can assist by paying your claim fast and efficiently and often payments can be made directly to your vet – so long as you and they agree. In 2020 we paid 95% of all claims made.
It hasn’t always been easy to switch your pet cover, but we’re changing that. Most providers will impose a 14-day wait time for illnesses if you switch, but so long as you are an existing pet insurance holder when you switch to us, we won’t.
Co-insurance is a payment in addition to the excess that’s shared between you and an insurer which splits the cost of claims, usually it’s an 80/20 split.
We want you to know exactly what your costs will be so we don’t impose a co-insurance payment on any of our plans.
The Scratch & Patch Careline which is available 24 hours a day, 7 days a week, is included for all cover levels. Our friendly UK based team are available whether you’re looking for pet care advice or looking for assistance with a quote or a claim.
If your pet has pre-existing conditions then until now it has been difficult to get a better deal elsewhere. That’s why we created Champ, to provide cover for pre-existing conditions and allow pet owners more choice.
We’ve looked into the changing attitudes towards pet insurance and the ever evolving needs of customers across the UK. Uncovering what’s important to cat and dog owners when looking for cover for their 4-legged friends.
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