Dog insurance
24 hour vet advice via phone or video call
Do you have pet insurance with us?
Visit our existing customer page to find out how to make changes to your policy. You can also read our FAQs for answers to key questions.
Dog insurance to suit your pet
Our dog insurance is here to help.
Choice of vet fee limits
Choose a vet fee limit to suit you, with different amounts for each cover level.
Help with medication costs
Your cover includes the cost of vet prescribed medication.
Physiotherapy and more
We'll cover treatments such as physiotherapy and homeopathy when recommended by a vet.
We can settle most vet bills directly
Saving you the hassle and expense of upfront payments. Subject to vet agreement. Excess applies.
Why it’s worth getting dog insurance
Choose from our 3 cover levels
Basic, also known as Time Limited:
- Covers each new accident or illness within a defined period
- This will either be for 12 months from the first treatment date or until your chosen vet fee limit is reached, whichever happens first
Classic, also known as Maximum Benefit:
- Covers vet fees up to your chosen vet fee limit for each new accident or illness
- If you renew your policy without a break in cover, there is no time limit in which you can use your vet fee limit
Premier, also known as Lifetime cover:
- Covers vet fees up to your chosen limit
- If you renew your policy without a break in cover, the vet fee limit resets each year
Compare dog insurance cover levels
Basic (Time Limited)
Classic (Maximum Benefit)
Premier (Lifetime)
Vet fees limit
Vet fees limit
Vet fees limit
£1,500 or £3,000 for each accident or illness
Vet fees limit
£4,000 or £8,000 for each accident or illness
Vet fees limit
£1,000, £2,000, £4,000 or £6,000 for each accident or illness every year
Accident cover
Accident cover
Illness cover
Illness cover
Third party liability (for dogs)
Third party liability (for dogs)
Accidental damage
Accidental damage
Dental – Accident only
Dental – Accident only
Dental – Accident and Illness*
Dental – Accident and Illness*
Emergency boarding
Emergency boarding
Lost and found cover
Lost and found cover
Optional
Pets abroad cover
Pets abroad cover
Optional
Complementary treatment cover
Complementary treatment cover
Farewell cover
Farewell cover
Optional
Optional
*Dental care up to £2,000. Your dog must have a dental check every 12 months.
After your dog has had their first check and any necessary work has been completed, we pay for treatment for tooth decay or gum disease that occurs before the next 12 month check or at the time of the next check.
- For teeth or gums that have been damaged in an accident
- If an underlying illness causes tooth decay or gum disease
- To remove teeth to treat an illness that is not gum disease or tooth decay
Vet fees and choosing the right cover level
To help you decide which cover level you need, here's a guide to health conditions in dogs and the average paid out:
The most common health conditions for dogs and the average we've paid out for each are:
- Lameness - £1,005
- Poisoning - £572
These can vary by breed. MORE THAN data from January 2022 to December 2023.
Average cost of dog insurance
The average premium is £250.95 per year for Classic cover or £256.50 for Premier cover levels**. Based on MORE THAN data from January to August 2023.
Selecting the appropriate cover level is a personal decision. Learning more about health conditions in dogs and associated costs may help you make the right choice.
Getting your dog insurance quote
We just need a few details about you and your dog or puppy. This includes both your names, age and address, plus the following:
About your dog or puppy
- Breed
- Whether they've been spayed or neutered
- If they live at your home address with you
- If they are to be used for breeding purposes
- If they are to be trained to attack, used for racing, fighting, security or as a guard dog
Personal information
- The date you'd like your policy to start
- Contact details
- Whether you're the owner and keeper of the dog or puppy you want to insure
- If you have had an insurance policy declared void or cancelled by an insurer
Ready to get a quote for dog insurance?
Experts rate our Premier insurance
Defaqto** has awarded our pet insurance a 5 Star Rating. Proving that we offer one of the highest quality options available for your furry friend.
10% discount for additional dogs
If you have more than one dog at home, you could save time and money by insuring them on the same policy. With our multi-pet policy you'll receive a 10% discount for each cat you insure
Find out how to keep your dog healthy with our useful guides
Important information
**Your renewal price increases each year and your excess may increase when your pet turns 9. If a claim is paid, the price you will pay next year can double. There is no limit to how much your renewal price can increase
***Our Defaqto Rating applies to Premier £1,000, £2,000, £4,000 and £6,000, and Classic £8,000