Explore our cover levels and the differences between them to find the perfect fit for you and your 4-legged friend.
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 Benefits | Bronze Accident Only Cover | Silver Time Limited Cover | Gold Maximum Benefit Cover | Prime Lifetime Cover | Premier Lifetime Cover | Premier 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 limits | Up 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 conditions | Excluded | Excluded | Excluded | Excluded | Excluded | Excluded |
| Learn more > | Learn more > | Learn more > | Learn more > | Learn more > | Learn more > | |
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.
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.
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.
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
Get a quote
Comprehensive pet insurance cover for your furry friend. Get a quote today.