Photo illustration of a dog and a cat

Our policies

Find helpful information about what policies we have and how they work.

Puppies and kittens must be at least 4 weeks old.

General insurance products are taxed by the government. The tax is known as Insurance Premium Tax and pet insurance is taxed at the standard rate of 12% as of June 2017.

You don’t have to pay VAT on insurance.

You can get a quote online by completing some questions about your yourself and your pet.

Get a quote now.

If you have a Lifetime £10,000 or Lifetime £18,000 policy, we’ll pay for dental illness or accident.

If you have a Lifetime Prestige policy or a Lifetime Assure Plus policy, we’ll pay to have your pet’s teeth removed, or their gums repaired, if they’re damaged in an accident. We don’t cover any other dental or gum treatments or conditions, including epulis.

We’ll also only cover dental illness or accident claims on these policies if your pet had a dental exam within a year of the injury and you followed the vet’s advice.

If you have any other policy, we don’t cover any dental or gum treatments or conditions at all. This includes the cost of any tests that lead to a dental or gum problem being diagnosed.

This benefit is different for customers who have renewed with us from Aviva. 

We offer cover for dogs, cats, horses, ponies and donkeys, as well as insurance for riders.

Some exclusions may apply based on your pet’s breed, behaviour and lifestyle, so it’s important to check our excluded breeds list and general exclusions.

Please note that we will not cover mixed breeds where they are known to be a cross of any of our excluded breeds.

We offer a Standard policy for horses, ponies and donkeys aged from 30 days to 20 years, with a range of optional policy extras such as damage, loss or theft of saddlery and tack.

If your equine is over 20 you will need to take out a Mature policy, which covers accidental injury only.

If you, as the owner, also regularly ride the horse you can opt to add personal injury cover to your policy.

For regular horse riders who do not own or loan a horse, we have a Standard Rider policy and a Young Rider policy for riders aged from 5 years old to 17.

Pre-existing conditions aren’t covered by this policy and will be excluded. 

We consider a condition to be pre-existing if your pet showed any signs or symptoms of it before your cover start date, whether they needed treatment previously or not.  

We can start covering some conditions again if they haven’t needed – or been recommended to have – treatment from you or the vet in the last 24 months. If a vet says a condition does need treatment during this time, and you delay getting it, we won’t cover that condition.  

We’ll also exclude conditions if any signs or symptoms started within the first 14 days of you taking out the policy or any accidents within the first 2 days. 

If your pet develops a condition in one part of their body that they’ve previously had in another part of their body, we’ll class it as one condition. This is called a ‘bilateral condition’,  

So if your pet damaged their left cruciate ligament before you took out this policy, you won’t be covered if they later damage their right cruciate ligament.  

We know that new puppies and kittens are always exciting and therefore you may decide that you want to breed from your pet. Unfortunately, we are unable to provide cover for costs related to breeding or provide cover for pets that are used for this purpose, regardless if you are a registered breeder or not.

We also understand that accidents happen and therefore kindly ask that you contact us at your earliest convenience as this may affect your policy.

Yes, but pre-existing conditions aren’t covered and will be excluded.

We consider a condition to be pre-existing if your pet showed any signs or symptoms of it before your cover start date, whether they needed treatment previously or not.

We can start covering some conditions again if they haven’t needed – or been recommended to have – treatment from you or the vet in the last 24 months. If a vet says a condition does need treatment during this time, and you delay getting it, we won’t cover that condition.

We’ll also exclude conditions if any signs or symptoms started within the first 14 days of you taking out the policy or any accidents within the first 2 days.

For more information about how we apply exclusions please read our Policy Booklets thoroughly. These can be found under our products pages.

Each year our pet insurance policies are annually reviewed by our Underwriters and our pricing team.

For this they consider many factors such as the age and breed of the pet, the risks of recurring or chronic conditions associated with specific breeds and the risk area that the pet lives in, as well as any claims history.

We don’t offer discounted multi-pet cover because we do everything we can to make sure you get the best price for your pet. By not offering deals or discounts we can keep our prices lower for everyone, no matter how big or small your animal family is.

Unfortunately, there are some dogs and cats that we do not provide cover for. This includes if they are an excluded breed crossed with a breed we do cover.

For dogs

We do not cover any dog that is:

  • Banned in Great Britain, as defined in the Dangerous Dogs Act 1992 or any breed crossed with these dogs.
  • Used for hunting, shooting, trade, or business
  • Under 4 weeks old.

The following list includes, but is not limited to, the breeds that we do not insure.

  • Akita
  • Alapaha Blue Blood Bulldog
  • American Bandogge / Bandogge Mastiff
  • American Bully
  • American/Irish Staffordshire Bull Terriers
  • Anatolian Karabash
  • Anatolian Shepherd Dog
  • Anglican Bulldogge
  • Australian Dingo
  • Brazilian Dogo
  • Bucovina Shepherd Dog
  • Bully Kutta
  • Canary Dogs / Perro de Presa Canarios / Presa Canarios
  • Cane Corsos
  • Caucasian Shepherd Dog / Caucasian Ovcharka
  • Chinese Red Dog
  • Cretan Hound
  • Czechoslovakian Wolfdogs / Sarlooswolfhounds / Wolf Hybrids
  • Dogo Argentino / Argentine Dogo / Argentinian Mastiff
  • East-European Shepherd
  • Fila Brasileiro / Cao Fila / Saint Miguel Cattle Dog / Azores Cattle Dog / Brazilian Mastiff
  • Fox hound / Foxhound
  • French Porcelain Hound
  • Greek Harehound
  • Greek Shepherd / Greek sheepdog / Hellenikos Poimenikos
  • Istrian Hound
  • Japanese Tosa / Tosa Inus
  • Karabash
  • Karst Shepherd
  • Korean Jindo
  • Laizhou Hong
  • Northern Inuit Dogs
  • Pariah
  • Pit Bull Terrier
  • Racing Greyhounds
  • Romanian Raven Shepherd Dog
  • Sabueso Español
  • Shar Pei
  • Thai Ridgeback
  • Turkish Kangal
  • Utonagan

 

For cats

  • Asian Leopard Cat
  • Chausie
  • Keetso

We have four different policy types for dogs and cats.

Our Accident Only policies provide cover for injuries sustained in an accidents.

Our Time Limited, Max Benefit and Lifetime policies cover injuries, illnesses and conditions, as well as having other benefits available such as cover for if your pet goes missing or is stolen (if you paid for them) or if your pet injures someone or damages their property.

These policies also have different levels of cover.

For dogs find out more about our Accident Only, Time Limited, Max Benefit and Lifetime policies.

For cats find out more about our Accident Only, Time Limited, Max Benefit and Lifetime policies.

Yes, however, to help us keep premiums as low as we can, when your dog is 8 or older or your cat is 10 or older, a co-payment will become payable when you make a claim.

The co-payment is usually 20% of each claim amount that you’ll have to pay, in addition to the Excess and will be deducted from the applicable policy limit.

Just like people, as your pet ages the chance of it needing medical treatment increases, meaning you’re more likely to claim on your policy. This means that your premiums may increase as your pet ages. Please check your policy schedule to confirm the exact percentage applicable.

You can see if a co-payment applies to your policy, by viewing your policy details online.