Insurance Products
Pet Insurance for Cats and Dogs
Pet insurance covers veterinary costs arising from illness and accidents for your cat or dog, and includes liability cover for damage your pet may cause to others.
At a glance
- Status
- Optional
- Core cover
- 5 sections
- Quote turnaround
- Same business day
Veterinary costs have risen sharply as advanced diagnostics and surgery have become widely available. A cruciate ligament operation, long-term management of a chronic condition or emergency intervention can become an unexpected budget item. Pet insurance covers these costs within annual limits so treatment decisions are made on medical rather than financial grounds.
Acceptance criteria centre on age; insurers generally cover animals within a defined age range and require a microchip. Vaccinations must be up to date. Pre-existing and hereditary conditions are excluded as a rule, which makes buying cover early advantageous for both price and scope.
Third party liability cover matters particularly for dog owners. If your animal bites someone or damages property, the resulting compensation is paid by the policy. Certain breeds carry additional legal obligations, so declaring the breed accurately at inception is essential.
What Is Covered
- Illness treatment costs
- Covers consultations, tests, imaging and medication within annual limits.
- Accident treatment
- Covers emergency intervention and treatment following falls, collisions and similar accidents.
- Surgery
- Covers operations, anaesthesia and post-operative care costs.
- Third party liability
- Covers compensation for injury or property damage caused by your pet.
- Loss and theft (optional)
- Covers advertising costs for a lost pet and compensation in case of theft.
Who Is It For?
- Cat and dog owners and their families
- Owners of breeds carrying legal liability obligations
- Those travelling abroad with their pets
- Shelters, boarding kennels and pet hotels
What Is Not Covered
- Pre-existing and hereditary conditions
- Vaccinations and routine preventive care unless extended
- Neutering, cosmetic procedures and behavioural treatment
- Animals kept for commercial breeding
What Affects the Price
Premiums vary between insurers according to the factors below. We compare 27 partner insurers to find the best fit for your profile.
- Species, breed and age of the animal
- Chosen annual limit and deductible
- Whether liability cover is included
- Status of vaccination and microchip records
Frequently Asked Questions
What ages can be insured?
Insurers apply minimum and maximum age limits. Buying early is advantageous for both scope and premium.
Are existing conditions covered?
No. Conditions present before inception and hereditary illnesses are excluded as a rule.
Are vaccinations included?
Routine vaccinations are generally excluded; some plans offer preventive care as an extension.
What if my dog injures someone?
Third party liability cover pays the resulting compensation within the policy limits.