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Dog Insurance

For a lifetime policy, choose one of our Covered for Life products. Covered for Life policies are designed for dog owners worried about their pet developing a long-term illness, like arthritis or eczema, and our Supreme plan provides up to £12,000 of vet fees cover each year. Our lifetime policies also offer cover for complementary treatment such as acupuncture and homeopathy and will also pay up to £1,000 for the advertising and reward costs if your beloved dog goes missing. As well as a range of other benefits, our Supreme dog insurance plan will also offer up to £3 million of Third Party Liability cover.

Pet Value is designed for dog owners who want cover to provide help with the initial high cost of veterinary treatment. In addition to covering vet fees up to £3,000 per illness or injury, for up to 12 months, Pet Value will provide Third Party Liability insurance if property is damaged, or someone is injured or killed as a result of an incident involving your dog.

Take a look at the following table which shows how the benefit levels for each dog insurance policy compare. Please also take the time to read the full Terms and Conditions of the policies so that you understand all of the benefits and limitations.

	Pet Value	Covered for life - Budget plan	Covered for life - Supreme plan
Veterinary Fees	Up to £3,000 per condition for 12 months	Up to £4,000 per year	Up to £12,000 per year
Veterinary Fees: Provides cover for examination, consultation, advice, tests, X-rays, legally prescribed medication, surgery and nursing required to treat an illness or injury, provided by a vet, a veterinary nurse or another member of the veterinary practice under the supervision of a vet. This includes physiotherapy and treatment of a behavioural illness provided it is carried out by a veterinary practice. Please take the time to read the section relating to this cover in the full Terms and Conditions so that you understand all of the benefits and limitations.
Complementary Treatment	Limited cover included in Veterinary Fees	Up to £750 per year	Up to £750 per year
Complementary Treatment: Our Covered for Life Plan covers complementary treatment, such as acupuncture and homeopathy, up to £750 per year. Physiotherapy or Behavioural Treatment carried out by a vet is included within Veterinary fees. Please read the policy Terms and Conditions for precise details on what is covered.
Advertising and Reward	–	Up to £250 per year	Up to £1,000 per year
Advertising and Reward: If your pet is lost or stolen, we will pay for local advertising and a reward in the UK and whilst in any of the agreed countries under the Pet Travel Scheme. Please note, we will only pay for rewards for lost or stolen pets if those rewards are agreed with us in advance. Please take the time to read the section relating to this cover in the full Terms and Conditions so that you understand all of the benefits and limitations.
Boarding Fees	–	Up to £250 per year	Up to £1,000 per year
Boarding Kennel Fees: We will pay the cost of boarding your pet at a licensed kennel, or £5 a day towards the cost of someone, who does not live with you, looking after your pet while you are in hospital for unforeseen visits during the policy year Please take the time to read the section relating to this cover in the full Terms and Conditions so that you understand all of the benefits and limitations.
Theft or Straying	–	–	Up to £1,000
Theft or Straying: The price you paid for your pet if it is stolen or goes missing during the policy year and is not recovered or does not return. If you did not pay for your pet or have no formal proof of how much you paid, we will pay the market value of your pet. Please take the time to read the section relating to this cover in the full Terms and Conditions so that you understand all of the benefits and limitations.
Death from Injury	–	–	Up to £1,000
Death from Injury: We will pay the cost of boarding your pet at a licensed kennel, or £5 a day towards the cost of someone, who does not live with you, looking after your pet while you are in hospital for unforeseen visits during the policy year. Please take the time to read the section relating to this cover in the full Terms and Conditions so that you understand all of the benefits and limitations.
Death from Illness	–	–	Up to £1,000
Death from Illness: Losing a pet is a great sadness, but we will refund the purchase price. We will pay the price you paid for your pet if it either dies or has to be put to sleep by a vet during the policy year as a result of an illness. If you did not pay for your pet or have no formal proof of how much you paid, we will pay the market value. Illnesses that first showed clinical signs before your pet's cover started or within 14 days of your pet's cover starting are not covered. Please take the time to read the section relating to this cover in the full Terms and Conditions so that you understand all of the benefits and limitations. Age restrictions apply.
Holiday Cancellation	–	–	Up to £1,000 per year
Holiday Cancellation: We will pay any travel and accommodation expenses for you and your immediate family, that you cannot recover if you have to cancel or cut short a holiday - booked less than 28 days before you were due to leave - during the policy year because your pet has either gone missing while you are away; or is injured or shows the first clinical signs of an illness while you are away, or up to 7 days before you leave and so needs immediate life-saving surgery. Please take the time to read the section relating to this cover in the full Terms and Conditions so that you understand all of the benefits and limitations.
Third Party Liability	Up to £1,000,000 per year	Up to £1,000,000 per year	Up to £3,000,000 per year
Third Party Liability: If property is damaged, or someone is killed, injured or falls ill as a result of an incident involving your pet during the policy year, we will pay compensation and costs awarded against you by a court and the legal cost and expenses for defending a claim against you. Please take the time to read the section relating to this cover in the full Terms and Conditions so that you understand all of the benefits and limitations.
Emergency Repatriation	–	Up to £500 per year	Up to £500 per year
Emergency Repatriation: If your pet is ill or injured during a trip abroad and you need to make special arrangements to get it home. Please take the time to read the section relating to this cover in the full Terms and Conditions so that you understand all of the benefits and limitations.
Quarantine Expenses and Loss of Documents	–	Up to £1,500 per year	Up to £1,500 per year
Quarantine Expenses and Loss of Documents: If the documents required to get your pet back into the UK are lost, we will cover the cost of obtaining duplicate certificates and the cost of quarantine. Please take the time to read the section relating to this cover in the full Terms and Conditions so that you understand all of the benefits and limitations.

Excess payments

If you need to make a Third Party property damage claim, you will pay the first £250 of any compensation, costs and expenses for each incident.

If you need to make a claim for Veterinary Fees or Complementary Treatment, you will pay an excess for the cost of treating each illness or injury. Your excess will vary on the product you choose, where you live and the breed and age of your pet. You will also pay an excess for Emergency Repatriation and Quarantine and Loss of Documents claims. For further details, please either take out a quote, or refer to the Terms and Conditions.