Choosing Pet Cover

We recommend that you read our policy documents for the level of cover you have purchased. You may have some questions as a result, and it’s important that you are happy with the insurance cover you’ve bought.

Our recent policy booklets are shown in the table below, you should check your confirmation email if you are unsure of what level of cover you selected for your pet.

We offer four levels of cover for your cat or dog depending on your requirements and budget:

Policy Benefits

(If viewing table on a mobile. Please rotate your phone and view in landscape)

Veterinary Fees¹  £2,000 per accident per policy year  £2,000 per condition  £2,000 per condition per policy year  £6,000 per condition per policy year
Accident Cover  Yes  Yes  Yes  Yes
Illness Cover  No  Yes  Yes  Yes
Maximum Condition Limit  £10,000  £2,000  Unlimited  Unlimited
Annual Policy Limit  Unlimited  Unlimited  £20,000  Unlimited
Complementary Medicine¹  £500  £500  £500  £500
Cruciate Ligament¹  £500  £2,000  £2,000  £6,000
Special Diet¹  N/A  £100  £100  £100
CT/MRI Scans and Associated Costs¹  £500  £500  £500  £1,500
Dentistry as a direct result of an accident/injury¹  £500  £1,000  £1,000  £1,000
Death of Pet³  N/A  £750  £1,000  £1,500
Advertising and Reward  N/A  £250  £500  £1,000
Loss by Theft or Straying (Proof of purchase required)  N/A  £750  £750  £1,500
Emergency Boarding  N/A  £750  £750  £1,000
Holiday Cancellation  N/A  £750  £1,000  £1,500
Quarantine Costs  N/A  £500  £500  £750
Loss of Pet Passport**  N/A  £250  £250  £250
Accidental Damage  N/A  N/A  £250  £750
Personal Accident  N/A  N/A  N/A  £300
Daily Minding  N/A  £750  £750  £1,000
Third Party Liability (Dogs Only)²  £1,000,000  £1,500,000  £1,500,000  £1,500,000
Overseas Travel  N/A  £1,000  £2,000  £2,000

Please note that there is a 24 hour waiting period for accidents on all of our policies. All of our policies apart from Bronze also include a 14 day waiting period which is applicable to illness only. Any accidents or Illnesses that occur during the applicable waiting period will not be covered.

1 All policies are subject to a £60 excess applicable per condition per policy year. The exception to this is the Silver policy where the excess is applicable per condition. Please note that if your pet is aged 8 or over, you will have to pay 15% towards each claim for Veterinary Fees, Special Diet, Complementary Medicine, CT/MRI scans and dentistry which is in addition to the deduction of the applicable standard excess and will apply to continuation claims.

2 A £250 excess applies once per claim for Third Party Legal Liability cover.

3 A one off payment up to the maximum Benefit Limit shown upon the death of your pet up to the age of 8 years old (Proof of purchase required). Death is not covered on Bronze policies.

** Only if the loss occurs during a holiday

The above is a summary, for full benefits and exclusions please click here to view the Policy Wording and Key Facts document.