Pet Insurance
Free 24hr vet support
Speak to a qualified PawSquad vet any time over live chat, video or voice call
Five star rated cover
Our Gold and Platinum Lifetime cover has Defaqto's highest rating
15% Multi Pet discount
Cover your pets on one policy and get a guaranteed 15% discount per pet
Pet insurance that works for you
Free 24/7 PawSquad access
Speak to a qualified, UK-registered vet at any time for advice and treatment options
Save with Multi-Pet
Cover multiple pets and make savings with our 15% Multi-Pet discount
No extra fees
Cancel or change your policy for free
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
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.