Pet Insurance Cover Options

You can choose one of three options for your pet insurance cover. Below is a summary of what you get with each of the three options.

Cover Bronze Silver Gold
Vet's fees £1,000 £3,000 £5,000
Accidental damage     Tick
Death from illness*   £250 £750
Death from accident*   £250 £750
Theft or straying   £250 £750
Third-party liability and legal expenses (dogs only) £1 million £1 million £1 million
Accidental damage**     £500
Boarding kennel fees**   £250 £1,000
Holiday cancellation**   £250 £2,000
Healthcare away from home helpline Tick Tick Tick
Bereavement counselling helpline Tick Tick Tick
Pet legal helpline Tick Tick Tick
Pet minders' helpline Tick Tick Tick
Pay vet direct Tick Tick Tick
Overseas travel Up to 30 days Up to 30 days Up to 12 months

* Subject to cover remaining in force and the original policy limit.

** This section does not apply in the case of dogs that are 9 or more years old and cats that are 11 or more years old.


  • if your pet is under 6 years of age the excess is £75
  • if your pet is 6 years of age or older, the excess is £75 excess for each illness or injury plus 20% of the remaining cost of the treatment
  • third-party liability £100
  • accidental damage £100

Important points

Please refer to the full policy wording for complete terms and conditions.

The excess amounts shown against the cover are the amounts which you personally will be asked to pay in respect of each claim.