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Comparing our pet insurance policies

Explore our cover levels and the differences between them to find the perfect fit for you and your 4-legged friend.

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Our pet insurance policies

We offer six different policies for cats and dogs. We provide one level of accident-only, time-limited and maximum benefit cover as well as 3 levels of the Lifetime cover.

Below we take a look at how each of these compare so you can easily find the best one for you.

Features and BenefitsBronze Accident Only CoverSilver Time Limited CoverGold Maximum Benefit CoverPrime Lifetime CoverPremier Lifetime CoverPremier Plus Lifetime Cover
Vet fee limit£2,250£3,000
£4,000
£2,500
£4,000
£8,000
Vet fee excess£125 or £275
£125 or £275
£125 or £275
£125 or £275
£125 or £275
£125 or £275
Vet fee inner limitsUp to £500
Up to £3,000
Up to £4,000
Up to £2,500
Up to £4,000
Up to £8,000
Dental cover (accident)£250
£3,000
£4,000
£2,500
£4,000
£8,000
Diet food£0
£100
£100
£100
£100
£100
Behavioural treatment£0
£0
£0
£100
£250
£500
Death of pet (accident)Up to £250
Up to £500
Up to £1,000
Up to £1,000
Up to £1,500
Up to £1,500
Death of pet (illness)Up to £250
Up to £500
Up to £1,000
Up to £1,000
Up to £1,500
Up to £1,500
Third party liability£1,000,000
£1,000,000
£1,500,000
£1,500,000
£1,500,000
£2,000,000
Loss and recovery£250
£750
£1,000
£1,000
£1,500
£1,500
Emergency boarding£250
£750
£1,000
£1,000
£1,000
£1,000
Holiday cancellation£0
£750
£1,000
£1,000
£1,500
£2,500
Accidental damage£0
£0£0£250
£500
£750
Pre-existing conditionsExcluded
Excluded
Excluded
Excluded
Excluded
Excluded
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Cover features

Whichever policy of ours you select you’ll receive a whole host of benefits and features. Including a 10% multipet discount, direct vet payment and much more.

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Switch 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 waiting period to new policies taken out with them. With us, as long as you have continuous existing pet insurance up to the day your policy starts with us, then we will not apply any waiting period.

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24/7 Vet Advice Careline

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.

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Need to claim?

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 2021 we paid 93% of all claims made.

What our members say

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Comprehensive pet insurance cover for your furry friend. Get a quote today.

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