Pet policies explained

Pet insurance

What Our Policies Cover

We offer four levels of cover depending on your requirements and budget. Below is a brief explanation of our range of pet insurance covers. If you have any further queries, please call us on 0800 840 1212.

Value Accident Cover

Value Accident Cover is an affordable accident only cover for veterinary fees and third party legal liability only. We will cover veterinary fees up to the limit of £2,000 per condition, per policy year. We will also pay for specific alternative medicine.

Quote now for Value Accident pet insurance

Standard Cover

Standard Cover is a higher cover of veterinary fees with extra benefits. We will cover veterinary fees up to the limit of £3,000 per condition for 12 months from the date the condition is first treated. We will also cover boarding fees if you have to go into hospital and the cost of your pet if the worst happens and your pet dies.

Quote now for Standard Cover pet insurance

Classic and Ultimate Cover

Benefit Limits for veterinary fees apply per condition, per policy year. The additional benefit limits are increased and both Accidental Damage and Personal Accident are included.

Quote now for Classic & Ultimate Cover pet insurance

  Value Accident Cover Standard Cover Classic Cover Ultimate Cover
Veterinary fees* £2,000 per condition,
per year
£3,000 per condition £3,000 per condition,
per year
£5,000 per condition, per year
Complementary medicine* £300 £300 £300 £500
Cruciate ligament* £500 £3,000 £3,000 £5,000
Special diet - £100 £100 £100
CT/MRI scans and associated costs £500 £750 £750 £1,250
Dentistry as a direct result of an accident/injury* £2,000 £3,000 £3,000 £5,000
Accident cover Yes Yes Yes Yes
Illness cover No Yes Yes Yes
Death of pet ** £500 £500 £750 £1,000
Emergency boarding kennel/cattery fees - £300 £450 £600
Holiday cancellation cover - £250 £500 £750
Loss by theft or straying - £500 £750 £1,000
Advertising and reward - £250 £400 £500
Accidental damage - - £125 £250
Third Party Legal Liability (dogs only)*** £1,000,000 £1,000,000 £1,500,000 £2,000,000
Personal accident - - £125 £250
Overseas travel - £2,000 £2,000 £2,000

Current documents
If you are an existing policyholder, please contact us to request a copy of your policy documents

Policy wording
  Key facts Key facts Key facts Key facts
Terms of business, fees and charges


Level of Veterinary Fees allowed

Every claim will be reviewed by a vet nurse and compared to charges for the same or similar treatment to ensure that the treatment and vets Fees are reasonable, necessary, essential and not excessive.

* An excess of £55 is deducted from your benefit for each illness or accidental injury condition treated during each policy period. The exception to this is the Standard policy where the excess is applicable per condition. Special note in respect of pets aged 8 years or over: For Veterinary Fees, Complementary Medicine, Cruciate Ligament and CT/MRI and Associated Costs claims a 15% co-payment will apply to each claim payment in addition to the deduction of the standard excess.

** A one off payment up to the maximum Benefit Limit shown upon the death of your pet up to the age of 8 years old. Death from illness is not included on Value Accident Cover.

*** An excess of £250 applies to Third Party Legal Liability.

All policies include a 24 hour waiting period applicable to accidents only. On our Standard Cover, Classic Cover and Ultimate Cover policies a 14 day waiting period also applies to illness only. Any accidents or illnesses that occur during the applicable waiting period will not be covered.

Please refer to the policy wording and key facts documents for full details of cover written in plain English.

Download the pet insurance terms of business