Compare premier, standard or essential cover
Choose the level of cover that suits your needs:
We like to offer our customers choice, which is why we offer three levels of cover.Footnote 1**
Our premier cover provides you with lifetime cover, allowing you to claim
up to £7,000 in vet fees each year. We reinstate this limit annually, as long as you renew each year
without a break in cover.
Standard cover offers up to £4,000 towards vet fees each year with a
limit of £1,000 for each separate illness or injury each year. Like our premier policy, our standard
cover is also reinstated annually, as long as you renew each year without a break in cover.
Essential cover offers you valuable protection for illnesses or injuries
for a shorter period of time. It allows you to claim, for each new condition, up to a £3,000 limit in
vet fees or for a maximum claim period of 12 months from the first date of vet treatment. Once you reach
either, whichever comes first, you will no longer be able to claim for the same condition in the future,
even if you renew your policy.
New developments in diagnosis and treatment mean that vets can now give your pet even better care. This
is great news for your family pet, but has meant a rise in vet fees and the cost of claims.
Our premier or standard insurance policies offer lifetime covers, as long as you renew your policy with
us and there’s no break in cover, we’ll reinstate your vet fees limit each year. So, if your pet begins
to develop an ongoing condition, while insured with us, you can continue to claim for the condition each
year. You may find it difficult to get this condition covered on a new policy once it is discovered as
it would be classified as a pre-existing condition if you didn’t have a lifetime cover policy.
Your price will increase at renewal, because as your pet gets older they are more likely to get ill. A
claim being paid can also cause your renewal price to increase significantly. Your excess will increase
when your pet turns 9.
Take a look at the below table to compare the three levels of cover.
| Benefits |
Premier |
Standard |
Essential |
| Veterinary fees and treatment period up to: |
£7,000 in total in each period of insurance (12 months). No separate limit on each
illness or injury |
£4,000 in total in each period of insurance (12 months). £1,000 maximum each
illness or injury in each period of insurance |
£3,000 each illness or injury or a maximum claim period of 12 months (whichever is
reached first). Claim period starts from the first date of vet treatment |
| Complementary treatment including hydrotherapy up to:Footnote
2†† |
£1,000 |
£500 |
£500 |
| Treatment food up to:Footnote 2†† |
£200 |
Not covered |
Not covered |
| Behavioural disorder up to:Footnote 2†† |
£250 |
Not covered |
Not covered |
| Dental treatment:Footnote 2†† |
Injury and illness |
Injury and illness |
Injury only |
| Travel expenses (no excess applies) up to:Footnote 2†† |
30p a mile |
Not covered |
Not covered |
| Third party liability (dogs only) up to: |
£2,000,000 |
£1,000,000 |
£1,000,000 |
| Death from injury up to: |
£1,500 |
£600 |
£600 |
| Death from illness (less than age 9 only) up to: |
£1,500 |
£600 |
£600 |
| Putting your pet to sleep and cremation or burial (no excess applies) up to:
|
£200 |
£100 |
£100 |
| Advertising for missing pet up to: |
£1,250 |
£600 |
£600 |
| Reward for missing pet up to: |
£750 |
£600 |
£600 |
| Stolen or missing pet up to: |
£1,500 |
£600 |
£600 |
| Emergency boarding or daily minding up to: |
£70 per week, £750 in total |
£60 per week, £600 in total |
Not covered |
| Pets abroad cover includes the following number of trips, of up to 60 days each:
|
3 |
0 |
0 |
| Pets abroad cover: |
£2,000 |
Not covered |
Not covered |
| Holiday cancellation/cutting your trip short: |
£3,000 |
Not covered |
Not covered |
