If your pet has had no vet treatment or advice for a condition for any continuous 24-month period, we can still cover it, even if the condition first appeared before your policy started. This is assessed throughout the life of your policy, not only when it begins.
A note on renewal prices. As pets age they tend to need more vet visits, so renewal prices typically rise each year. From age 5 for dogs and 7 for cats, a 15% co-payment applies alongside your excess. We'd rather you knew that upfront than find it buried in the wording.
Every Select & Protect pet policy comes with these as part of the price, not an upgrade.
Speak to qualified UK based vets and vet nurses about your pet's care, behaviour and nutrition, any time, day or night, at no extra cost with Select & Protect Vet Assist.
Ongoing conditions stay covered year after year, as long as you renew without a break and continue to meet the policy terms.
Your vet can often claim directly from us, so you're not left covering the bill upfront.
Included with every policy at no extra cost. Once you're insured, you can speak to a qualified vet nurse or vet about care, behaviour or nutrition, by phone or video, whether you're at home or abroad.
Flexible cover for dogs and cats, so every pet gets the protection that actually fits them.
Cover that fits the life your dog actually lives, from muddy walks to unplanned trips to the vet.
Find out moreSmart, flexible cover for every kind of cat, from confident hunters to nervous windowsill watchers.
Find out moreCover everyone under one household policy, with everything managed in one place.
Cover up to six pets on one household policy, with the level of cover set individually for each one, so every dog or cat gets exactly what they need.
We're here to help you care for your pet when it matters most. Our Lifetime cover includes:
| Cover | Lifetime £3,500 | Lifetime £5,000 | Lifetime £7,500 |
|---|---|---|---|
| Vet fee levelCover for treatment costs when your pet needs to see a vet, from routine visits to emergency care. | £3,500 | £5,000 | £7,500 |
| Ligament treatmentSupport for injuries like torn ligaments or joint issues. | £2,500 | £2,500 | £2,500 |
| Diagnostic imagingCovers X-rays, MRIs and ultrasounds to get to the root of health concerns. | £2,000 | £2,000 | £2,000 |
| Dental illness or accidentProtection for dental issues caused by illness or injury. | £2,000 | £2,000 | £2,000 |
| Prescription foodCovered for a maximum of 6 months per condition, other than for obesity or weight loss. | £250 | £250 | £250 |
| Advertising and rewardIf your pet goes missing, we'll help cover the cost of advertising and offer a reward. | £1,000 | £1,000 | £1,000 |
Limits shown are per condition, per year. Exclusions, conditions and excesses may apply. For the full table of cover limits and any extra cover conditions, check the policy wording.
Every policy has its limits. These are the main things a pet policy doesn't cover, so there are no surprises if you need to claim.
This is a summary of the main exclusions, not a full list. The complete terms, limits and exclusions, including the age limits that apply when a policy first starts, are set out in the policy wording.
A few things worth knowing upfront, not buried in the wording.
It's worth checking this before you get a quote. We're unable to insure the following dog breeds.
See the policy wording for full details, including the Insurance Product Information and Essential Information & Demands and Needs documents.
Answer a few quick questions and get a quote in just minutes.
The things people usually ask before they buy, answered here rather than behind another click.
By monthly Direct Debit, so the cost is spread across the year rather than paid as a single lump sum. We don't currently offer an annual payment option.
If your pet has had no vet treatment or advice for a condition for any continuous 24-month period, we can still cover it, even if the condition first appeared before your policy started. This is assessed throughout the life of your policy, not only when it begins.
Yes, a small number of breeds fall outside what we're able to cover. The full list is set out above in Before you take out a policy.
Yes, you can cover up to six pets on one household policy, with the level of cover set individually for each one and everything managed in one place.
Whatever the question, and whichever pet it's about, we're here to help.
View documents, make a claim or update your details through your online account.
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