Your pet will surprise you. Your pet insurance shouldn't.
Your pet will surprise you. Your pet insurance shouldn't.
Lifetime cover from the UK's most trusted petcare experts.*
One simple policy, cover from £3,000 to £15,000.
Plenty of extra benefits with separate cover limits.
From claim to payout, we handle the vet, you focus on your pet.
Dog insurance
Be the calm to their chaos, with fuss-free lifetime cover.
Cat insurance
Your cat is a mystery. Your insurance should be simple.
Multi-pet insurance
Pets are unpredictable. Be prepared, with lifetime cover.
Insurance brought to you by the UK's most trusted petcare provider.*
With lifetime cover from £3,000 to £15,000, including dental, peace of mind comes as standard. Plus, you get plenty of extra benefits, too.
*Based on YouGov survey, 26–27 Nov 2025. 55% of 1,084 UK pet owners trust Pets at Home. Total sample: 2,111 adults. Figures weighted.
Why we're different
With Pets Insurance, you get 30+ years of petcare expertise
One simple policy, three cover limits, plus lots of extra benefits you can claim for separately!
Dental accident or illness? With Pets Insurance, you're covered as standard
24/7 Pet Advice Line access. Because pet emergencies aren't a 9-5 thing
100% progress of 100%
Common Questions
Pet insurance isn’t compulsory. But if anything were to happen to your pet, you’d want to be able to get them the care they need without worrying about how you’re going to pay your vet’s bills.
Pets Insurance only offer Lifetime cover, with a set cover limit (from £3,000 to £15,000) that renews each year. This means that, if your policy is renewed with us, any illnesses, accidents or health issues that develop during the policy term will be covered if they meet our terms and conditions within your policy documents.
Important things to note
While lifetime insurance offers the highest level of reassurance, all policies have terms and exclusions. Our policies do not cover:
Pre-existing conditions (illnesses or injuries your pet had before joining us)
Routine or preventative care (such as vaccinations, flea treatments, or grooming)
Waiting periods (a short window at the very start of the policy where claims cannot yet be made)
For more detailed information about our products, speak to our friendly Pets Insurance Team via live chat.
Every Pets Insurance policy is a Lifetime policy. This means we’ll pay your vet’s fees for any new illnesses or accidents that develop after your policy starts*, for as long as you stay with us.
Because cover refreshes annually, long‑term or recurring conditions that develop during the policy term remain protected year after year. And there’s no per-condition limit. But do remember to always check the full terms and conditions of your policy for any cover exclusions. We offer the following annual cover limits:
How to make a claim
From claim to payout, we chase the vet, you chase your pet.
From claim to payout, we handle the vet, you focus on your pet
Dogs:
£4,000, £7,000 and £15,000 vet fee limitfor accidents and illnesses—including dental.
Plus:
- up to £3,500 complementary therapies
- £500 Hydrotherapy
- £500 Behavioural therapy
- up to 45% Prescribed diet cover up to £500 (depending on the breed)
- up to £200 missing pet cover
- Cover for euthanasia and cremation/burial
Cats:
£3,000, £5,000 to £10,000 vet fee limitfor accidents and illnesses—including dental.
Plus:
- up to £2,000 complementary therapies
- £500 Hydrotherapy
- £500 Behavioural therapy
- up to 45% Prescribed diet cover up to £350 (depending on the breed)
- up to £200 missing pet cover - Cover for euthanasia and cremation/burial
Pets Insurance doesn’t cover pre-existing conditions that developed before your policy start date.
* Claims can only be paid for health issues that occur after the policy waiting period. That’s 48 hours from your cover start date for accidents and 14 days for illnesses.
How does Pets Insurance excess and co-payment work?
The Pets Insurance excess and co-payment are contributions you choose to make towards any claims your vet submits. Opting to contribute more will help keep your premiums down. And don’t worry, we’ll calculate everything for you!
Excess
Your excess is the set amount you agree to pay towards any claim when you set up your Pets Insurance policy. You’ll only pay this once per policy year and only if you make a claim.
We offer vet fee excesses of £100, £150, £200.
For complementary therapies, the excess is only £50. And for any third-party liability claims, you’ll pay an excess of £250.
Co-pay
Co-pay is a percentage you pay towards any claims you make for vet fees. You choose your co-pay percentage when you take out your Pets Insurance policy. We’ll deduct this from your vet’s bill after your excess is deducted.
We offer co-pay options of 0%, 10%, 20%. Once your pet reaches the following ages, a compulsory co-pay will replace your voluntary contribution:
Dog: Age dependent on breed - compulsory co-pay of 20% Cat: Age dependent on breed - compulsory co-pay of 20%
Here’s an example of co-pay and excess in action:
You’ve chosen a £100 excess and 10% co-pay
You make a £1000 claim
You’d pay £190, made up of £100 excess and 10% of the remaining £900 claim (£90)
We’d pay £810
Can I insure a pet of any age?
At Pets Insurance we love all pets.
As we start on our insurance journey, we will not be covering older pets to begin with. The age we will cover up to (at the moment) depends on the breed of your pet. We’ll be covering older animals soon, so please check back.
Please remember we only offer lifetime cover, which means we will cover any new illnesses your pet may develop once insured with us. This means, like most insurers, we will not cover any pre-existing conditions your pet may have so please keep this in mind when looking for cover with a new provider.
Do you offer a multi-pet policy?
We don't yet offer a multi-pet policy. However, we can cover each of your pets on separate Pets Insurance policies, and you’ll be able to keep all of their individual policies together in your Pets Insurance Hub.
Each pet will have their own cover limit, and you’ll be able to see any remaining cover balances they have in their individual policy dashboard. But you’ll make all of your pets’ policy payments together on your preferred date, as one simple monthly charge.
How can I purchase a pet insurance policy?
Getting an insurance quote is quick and easy. We are currently working on integrating quotes directly into our website.
In the meantime, you can get a live quote and purchase a policy by visiting Compare the Market.
