Pet Insurance
24hr vet support
All policies include free access to 24/7 online advice via PawSquad
Five star rated cover
Our Gold and Platinum Lifetime cover has Defaqto's highest rating
15% MultiPet discount
Cover your pets on one policy and get a guaranteed 15% discount per pet
Pet insurance that works for you
24/7 Pawsquad Access
Speak to a qualified, UK-registered vet at any time for advice and treatment options
Save with MultiPet
Cover multiple pets on one policy and save with our 15% MultiPet discount
No extra fees
Cancel or change your policy for free
If you want to add a pet to your existing policy, give us a call on 0330 029 2319 to get your 15% discount.
Why insure your pets
Vet treatment is expensive and, usually, unplanned. Treatment can cost hundreds of pounds, and you want to make sure your pet gets the help they need as soon as possible.
Just like humans, medical care for animals is becoming more advanced and pricier, meaning most pet insurance payouts are for vet bills.
Pet insurance helps you stay prepared and access quality care if your furry family member ever needs help.
What type of cover is best for me?
Compare our two cover options.
Lifetime is our most comprehensive pet cover. Lifetime policies cover your pet/s for accidents and illnesses up to the policy limit you’ve chosen each year. At renewal, the limit resets.
It’s best if you want long-term cover.
Our Lifetime policy includes:
- Up to £10,000 in vet fee cover
- Up to £2,000,000 in third-party liability
- Up to £2,000 in emergency holiday cover
- Behavioural, dental and emergency kennel/cattery cover
What isn't covered by pet insurance?
Pet insurance doesn't cover everything. Here's some things we don't cover.
Pre-existing conditions
We don't cover any illness or injury that your pet had before your insurance policy starts.
We define a pre-existing medical condition as something that may have been identified by a vet, be under investigation by a vet, or otherwise known to you before your policy starts. It could be diagnosed or undiagnosed.
Claims within the waiting period
A waiting period is the amount of time you must wait after your policy starts before you can make a claim.
We don't cover any injury that happens within the 24 hours of your policy starting, or any illness your pet gets within the first 14 days.
Routine health treatment
We don’t cover any treatments which are considered routine care or any kind of regular treatment that’s needed to keep your pet healthy. This covers things like:
- vaccination costs
- flea or parasite control products
- bathing, grooming, nail clipping or de-matting your pet
- spaying/castration
Check your policy book for the full list.
Breeding or pregnancy
We don’t cover costs for pregnancy, giving birth, or any medical issue to do with your pet breeding. This applies to both accidental and intentional pregnancies.
For a complete list read more about pet insurance in your policy book for the full list of exclusions.
Don't miss our 15% MultiPet discount
You can save by covering your pack with our MultiPet Insurance
With MultiPet, you can get up to 15% off each pet living in the same household that you insure on the same policy.
If you want to add a pet to your existing policy, give us a call on 0330 029 2319 to get your 15% discount.
Plus, if you already have home, motor or another type of insurance with us, you can get an extra 10% off as an existing customer.
If you qualify for both discounts, we'll take 10% off the full price and a further 15% off the new discounted price - so your total discount will be 23.5%.
Your questions answered
My policy begins with ADMP or ADMM
What is excess?
Excess is an amount you will have to pay towards a claim. With us, all pets under the age of 6 will have a £99 excess. Pets 6 years and over will have an excess of £199.
You can choose to pay the higher excess of £199 if you have a pet under age 6. We’ll deduct this amount from the claims settlement.
There is a £250 excess applied once per claim for Third Party Liability cover (dogs only) and third-party accidental damage cover available on our Platinum tier.
What is a pre-existing condition?
A pre-existing condition is any illness, injury or complication that results from an injury or illness.
A pre-existing condition can be diagnosed or undiagnosed. It refers to a medical condition that has been identified or investigated by a vet or is otherwise known to you prior to the start of the insurance.
A condition is considered pre-existing when it happens within the first 14 days of the policy for illness or 24 hours in the case of injury.
We don’t cover for pre-existing conditions.
Will my price change at renewal?
Your premium may change due to a few factors:
- Age
- Breed
- Location
- Claims history
- Medical advances
- Legislation
Prices are reviewed annually, and we will let you know your new price, including what you paid last year, as a reference.
We want to assure you that the renewal price is already at our most competitive rate based on factors like your pet's breed, age and health.
If you have more than 1 pet, we'll give you 15% off each pet you insure with us on the same policy.
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