Lifestyle Guides

Insurance for overweight pets

Keep a check on your pet's weight to ensure it doesn't affect their health or their insurance premium.


A good dog or cat owner loves their animal unconditionally, no matter what shape or size they are. Yet it’s all too easy to overindulge our pets, showing them a little too much love through excess feeding and an abundance of treats.

Combined with a lack of exercise, this can lead to one of the most prevalent problems for pets: becoming overweight. Weight gain is a problem for animals as well as humans – obese animals are at increased risk of numerous health issues, from joint problems and high blood pressure to heart disease and cancer.

Naturally your animal’s healthcare and well-being should be your first priority when taking care of a pet. But the dangers of obesity can also put a strain on your finances and affect how much you pay for your pet insurance.

We’ve compiled everything you need to know about overweight pets in this handy guide, as well as some nifty tips to keep your cat or dog fighting fit and avoid the worrying side effects of obesity.

What are the causes of obesity in pets?

According to the most recent PDSA Animal Wellbeing Report, over 2.6million dogs in the UK receive scraps or leftovers as their main meal.  Some may wonder what the harm in this is, but many people forget what is OK for humans to eat can often prove to be toxic for our four legged friends.

It can be easy to overfeed your dog or cat, particularly if you give them scraps from the table or leftovers from your meals. Rewarding your animal with too many treats can be another cause of obesity – dogs that are treated too often can become obsessed with food, repeatedly begging for it.

Different pets need different amount of exercise. To avoid an obese dog or cat, ask your vet how much exercise an animal of their type should be getting per day, and follow their advice. The doctor knows best!

If you’re worried that your pet is gaining weight for a different reason, such as a symptom of illness, book in to see a vet as soon as possible. They’ll be able to diagnose what’s wrong with your pet and suggest the best course of action.

How can I tell if my pet is overweight?

If you have any concerns about your pet’s weight, ask your vet to pop them on the scales and let you know if they are in the typical weight range for their breed.

In between visits to your vet you should monitor your pet’s body condition yourself.

You should be able to feel their ribs through a slight fat cover when you run your hand along their side. When you look at them from above you should be able to see the definition of their waist. There should not be any “padding” around the base of the tail – this would indicate they’re carrying a few extra kilos.

Dangers of obesity in pets

So your furry friend has gained a little extra weight, all the more to cuddle, right? Sadly, weight gain in animals has a much greater effect than it does in humans. For example, a 5kg Shih Tzu gaining an additional 2kg is the equivalent of a 10 stone woman piling on an extra four stone.

Obese pets are more prone to health problems and live shorter lives and vets are reporting seeing more and more overweight animals in their surgeries. Some of the health problems that can occur as a result of being overweight are:

  • Breathing difficulties
  • High blood pressure
  • Diabetes
  • Liver disease or dysfunction
  • Osteoarthritis resulting in lameness
  • Lowered immune system function
  • Increased risk of developing malignant tumors (cancer)

While most pet insurance policies will cover overweight pets, your premium can end up being more expensive if your pet has pre-existing health issues as a result of being overweight.

If you’re worried that your pet is on the porky side, don’t panic: many of the health problems associated with obesity can be tackled with a few simple changes to your pet’s diet and exercise routine.

Foods you shouldn’t feed your dog or cat

  • Alcohol
  • Apple seeds
  • Avocado
  • Bones
  • Chocolate
  • Coffee (caffeine)
  • Corn on the cob (whole)
  • Citrus
  • Coconut
  • Fat trimmings
  • Grapes
  • Raisins
  • Nuts
  • Dairy
  • Garlic 
  • Onions
  • Chives
  • Salt
  • Sweets
  • Yeast

In addition to the health concerns, allowing your dog or cat to share your food encourages bad behaviour where they may beg or even try to take food while you’re trying to eat. We’ve all had to look at those puppy dog eyes or felt a cat’s head nudge us asking for a little bit of whatever we are eating, so what harm can a little treat do?

Well, take your average Dashchund, just 25g of cheese is the equivalent to an average human eating two large muffins. The same tidbit of cheese for a cat converts to the equivalent of three and a half hamburgers for the average person.

If your vet has indicated your pet’s a bit on the heavy side, it is important to follow and stick to the advice they provide about getting your beloved pet back to their healthy weight.

As with humans, the two main ways to keep in shape are through a healthy diet and exercise.

What should I feed my pet? 


Buying a good-quality, balanced pet food is the first place to start. Think about the age of your pet as kittens and puppies will require higher protein to help their growing bones while senior cats and dogs need lower calories and higher fibre as they slow down.

Look at the label of the food you buy, more often than not it'll give guidance about how much to feed your pet based on their weight. Watch out for commercial foods which contain the following:

  • Ethoxyquin - this is used as a preservative but can cause health problems
  • Propylene Glycol - used to control bacteria and moisture in the food but can cause problems to intestines
  • BHT/BHA - preservatives which can cause damage to kidneys and have been linked with cancer
  • Corn syrup - a sugar often used to help sweeten the food. However, too much sugar over time will lead to weight gain, diabetes, hyperactivity, and even a change in mental behaviour.

How to exercise your dog

There are so many different types of breed out there so make sure you do your research to find out how much exercise to give your dog. If you are trying to help your pet lose weight then extra walkies may be needed to help shift those pounds!

Make sure you don’t over-exert your pooch, just like with humans they can’t go from couch potato to marathon runner overnight. Give them time to increase fitness.

Not into walking or running? Here are six alternative ways to keep your dog healthy and active.


And don’t forget feline fitness! 

Yes, it’s rare to take your cat for a walk but there are still things that can be done to keep your cat fit.

It’s even more important with indoor cats; make sure you encourage playtime with dangly toys, cat-friendly laser toys or good old-fashioned running your hands under the duvet with kitty on top trying to catch them!

You should try and spend 15-20 minutes a day playing with your cat, so if they're snoozing away on the windowsill in the sun, wake them up to come and play to ensure a healthy heart and happy mind.

How often should I give my pet treats?

The juicy bit! We're not saying you should deny your pet rewards and treats, but once you've decided on a safe and healthy treat to provide you need to monitor how much you give and reduce their main meal accordingly.

If your dog looks longingly at you while you're eating breakfast but their dinner time isn’t until the evening, why not split the amount of food they have into two or three feeds so there’s less of a wait between meal times? That way you won’t feel the need to fill the gaps with treats.

If treats form part of training, consider using part of their normal meal in small portions during their training. Perhaps look at changing the rewards you provide - verbal praise and stroking is often is enough to say well done. Or why not look into clicker training!


Insurance Factory Ltd
For pet insurance, Admiral introduce to Insurance Factory Ltd who arrange and administer the policy. Insurance Factory Ltd is authorised and regulated by the Financial Conduct Authority (No. 306164). Registered in England and Wales Number 02982445. Registered Office: 45 Westerham Road, Bessels Green, Sevenoaks, Kent, TN13 2QB.  The policy is underwritten by HDI Global Specialty SE UK. Registered in Germany, registration number HRB 211924. Registered Office Roderbruchstraße 26, 30655 Hannover, Germany acting through its UK branch whose office is located at 10 Fenchurch Street, London EC3M 3BE, United Kingdom. Authorised by the Bundesanstalt für Finanzdienstleistungsaufsicht, and authorised to limited regulation by the Financial Conduct Authority (FCA No. 659331). Third party liability (dogs only) is underwritten by Ageas Insurance Limited, Ageas House, Hampshire Corporate Park, Templars Way, Eastleigh, Hampshire SO53 3YA, Registered in England and Wales No. 354568.