Looking for pet insurance with a difference? Our 5* Defaqto rated cover provides insurance for dogs and cats. There are 9 levels of cover to choose from to suit your needs. Plus all our plans include:
What is pet insurance?
Pet insurance helps you cover the cost of veterinary treatment if your pet falls ill or gets injured. To learn about pet insurance cover, what it’s therefore and how it can help, read our guide to how pet insurance works. Pet insurance policies generally fall into 5 main categories:
Pre-existing conditions pet insurance
Pre-existing conditions cover is a new addition to some pet insurers cover options. It seeks to provide cover for medical conditions that your pet may already suffer from.
Lifetime cover pet insurance
Lifetime cover is the most comprehensive pet insurance on the market and seeks to insure against recurring medical issues your pet may have throughout its lifetime, as long as you keep the policy running.
Maximum benefit pet insurance
Maximum benefit pet insurance normally cover new conditions up to a cover limit for the length the policy is in place and there’s not a time limit to your claim. Maximum benefit cover is generally considered a mid-range option.
Time-limited cover pet insurance
Time-limited cover is less comprehensive and excludes certain conditions after you hit your claims limit.
Accident only pet insurance
Accident-only pet insurance provides a fixed sum of money for each accidental injury to help pay for your pet’s treatment. It is the cheapest type of pet insurance policy but excludes cover for illness entirely.
Some pet insurance providers also pay out if your pet dies, is lost or stolen or causes damage to a third party’s property.
Our pet insurance plans
BRONZE COVER
Our Bronze covers accidents only and is time limited to 12 months.
– Vet fee cover limit of £2,250*
– Payments for death up to £250
SILVER COVER
Our Silver plan covers injury and illness time limited to 12 months per illness and injury.
– Vet fee cover limit of £3,000
– Payments for death up to £500
– Holiday cancellation payment up to £1,000
– Loss and recovery up to £750
– Emergency boarding up to £750
GOLD COVER
Our Gold covers injury and illness with a maximum benefit limit per illness and injury.
– Vet fee cover limit of £4,000
– Dental work up to £4,000
– Payments for death up to £1,000
– Holiday cancellation payment up to £1,000
– Loss and recovery up to £1,000
– Emergency boarding up to £1,000
PRIME COVER
Our Prime plan covers injury and illness on a reinstatement per policy year basis
– Vet fee cover limit of £2,500
– Dental work up to £2,500
– Payments for death up to £1,000
– Loss and recovery up to £1,000
– Emergency boarding up to £1,000
– Holiday cancellation payment up to £1,000
PREMIER COVER
Our Premier plans covers injury and illness on a reinstatement per policy year basis
– Vet fee cover limit of £4,000
– Dental work up to £4,000
– Payments for death up to £1,500
– Loss and recovery up to £1,500
– Emergency boarding up to £1,000
– Holiday cancellation payment up to £1,500
PREMIER PLUS COVER
Our Premier Plus plans covers injury and illness on a reinstatement per policy year basis
– Vet fee cover limit of £8,000
– Dental work up to £8,000
– Payments for death up to £1,500
– Loss and recovery up to £1,500
– Emergency boarding up to £1,000
– Holiday cancellation payment up to £2,500
CHAMP PRE-EXISTING CONDITIONS COVER
Our Champ plans cover injury and illness as well as offering cover for some pre-existing conditions on a reinstatement per policy year basis. There are 3 levels of cover.
Champ 2.5
– Vet fee cover limit of £2,500
Champ 4.0
– Vet fee cover limit of £4,000
Champ 8.0
– Vet fee cover limit of £8,000
Our cover features
10% multi-pet discount
If you’ve got more than one pet in your household that you’re looking to insure, then we’ll give you a 10% discount when you add multiple pets to your quote.
24/7 access to pet Careline
We know that your pet is part of your family. That’s why included in any cover you take out with us you’ll have access to our 24/7 Careline. This gives you all day, every day access to speak online or over the phone with RCVS qualified vet nurses.
97% claims paid
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. We paid 97% of all claims submitted in 2019.
Switching without the wait
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.
We don't do coinsurance
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. It’s just the excess you need to know about.
Get a quote now
Discover a new approach to pet insurance, cover your furry friend with us today.