Puppy Insurance through Healthy Pets
Opened your heart to a playful new puppy? Your puppy deserves to be protected from illness or injury with Puppy Insurance cover.
Why might I want to consider Puppy Insurance?
Every puppy has loveable traits that make them a fabulous new addition to your family. You’ll soon get to know your puppy’s personality and quirks inside out, which is why you’ll also pick up on signs that something isn’t quite right. Protecting your puppy with their own Insurance policy could make such a difference if they fall ill or have an accident, as it’ll bring peace of mind that cover to help with the financial implications is in place. That way, you can put all your efforts into helping your puppy recover.
Benefits of Puppy Insurance will vary depending on your provider and the tier of cover you pick. Here at Healthy Pets, we offer various insurance policies because it’s important to have choice when insuring your puppy.
Want to know more? Choose a policy type from the list to learn about each tier of cover.
Why consider Healthy Pets when covering your puppy?
- Vet fees paid directly to the practice if mutually agreed by the vet and policyholder. Subject to the policyholder paying their excess (and any applicable co-insurance fee) to the vets
- Choose a policy which you feel works for you and your puppy
- Cover available for vet fees, legal fees, accidental damage, and a range injuries or illnesses for as long as your policy through Healthy Pets is in place. Limits apply.
- Take out cover through insurance providers who have over 1,900 5* reviews across all products on Trustpilot as of December 2023.
- Join fellow puppy owners on Facebook, Instagram and X
What might Puppy Insurance offer?
Healthy Pets has been providing cover long enough to know that no two puppies are the same. Each puppy has its own needs and distinctive quirks – which is why it’s important to weigh up the policies available to you.
Just the thought that your pup is covered for many injuries and illnesses could take quite a weight from your mind.
Depending on the policy you choose, you may benefit from:
- Vet fees - If your puppy develops an illness or has an injury, vet fees will be covered up to your agreed cover limit. This also applies to complementary vet treatments which may include hydrotherapy, physiotherapy, and osteopathy.
- Emergency boarding – If you or a family member in the household has to go into hospital for four or more consecutive days, your policy will cover the cost of kennels or licenced puppy boarding up to £1,000.
- Third party liability – If your puppy has an incident which results in an injury, death, or damage to anyone else’s property, the repair or replacement costs will be covered up to £1,000,000. Dog Insurance only.
- Death by accident or illness – If your puppy dies after an accident, due to an illness, or because the vet recommends they’re put to rest, you’ll either be paid the purchase price of your puppy or up to your set cover limit – whichever is less. Subject to the purchase price you provide and a receipt of purchase. Paid for dogs aged 8 or below and cats aged 10 years and below.
- Travelling abroad – If your holiday has to be postponed or cancelled because your puppy has a serious illness or injury, your insurer will contribute up to £2,000 towards costs. Treatment fees for an injury or illness in the EU will also be covered.
- Accidental damage – If your puppy causes minor damage to someone’s property, cover through Healthy Pets would help cover the cost of repairs or replacement. Limits apply, please refer to your policy schedule. Dog Insurance only.
- Theft / straying – If your puppy is lost or stolen, advertising and reward costs of up to £1,000 will be granted for their safe return.
How old does my puppy need to be before I can take out insurance cover?
Cover can be taken out for your puppy so long as they are 5 weeks old or over.
Your policy will need to be renewed each year – with no gaps – to ensure continuous cover. Remember, when your policy renews, our lifetime policies cover limit will reset, whereas our maximum benefit policies will continue to cover until the limit runs out for each condition.
Pedigree Puppies
Puppy Insurance can cover many breeds of puppies, though it’s likely you will pay a higher premium if yours is a pedigree. This is because pedigrees are at a higher risk of genetic disease or theft.
Popular breeds we will aim to find cover for include:
- Beagle
- Border Collie
- Cocker Spaniel
- Dachshund
- English Springer Spaniel
- English / French Bulldog
- German Shepherd (Alsatian)
- Husky
- Jack Russell
Please be aware that your puppy’s breed may lead to restrictions on your policy.
Please refer to our FAQs page for a list of breeds we won’t be able to cover.
Older dogs
As dogs age, they become more susceptible to illness and injury. Your puppy may be insured into old age, but only if they have been covered continuously with a lifetime policy before they are 11 years old.
Get a Puppy Insurance quote online
Puppy Insurance FAQs
The price of your Puppy Insurance policy will vary as it depends on several factors, such as:
- Breed – Unfortunately, many puppies will have breed-specific health conditions because of inbreeding. As you may be aware, Bulldogs and Pugs are bred with flatter faces which means they tend to have breathing difficulties. If your puppy’s breed is known to suffer from certain conditions, it may make them more costly to insure.
- Age – Puppies tend to require less medical attention than older dogs, which can make them less expensive to insure. If your dog is above a certain age, or they have a pre-existing health condition, there could be more restrictions on your policy, and some costs related to existing illnesses will not be covered by your policy.
- Location – Vet fees can differ across the country; this is due to varying living costs from one area to the next. As such, if you live in a larger city, you might get more expensive vet bills – and this is considered when determining your premium.
- Purchase price – As dog breeds differ in value, their purchase price will be considered when calculating your premium.
Puppy Insurance is not legally required. That said, vet bills can add up, and they may be quite hard for you to cover without insurance. Many puppy owners take out policies as they will help to cover the financial implications of treating their pup if they are ill or involved in an accident. If vet bills are a concern, you might want to consider taking out Puppy Insurance.
Usually, your insurer will pay the vet on your behalf; this is subject to the excess fee being paid to the vet by the policyholder. However, if the invoice has been settled, your insurer will pay you instead.
Microchipping is legally required for all dogs in the UK. Under the microchipping law that came into effect in April 2016, all dogs must be microchipped and registered by the time they reach eight weeks old.
Puppy Insurance doesn’t include the cost of microchipping. Whilst Healthy Pets will try to find cover for unchipped puppies, the cost of getting your furry friend chipped will not be our responsibility.
- Routine check-ups and treatments – such as flea treatments, vaccinations, nailcare and grooming, blood or urine tests, and neutering
- Pre-existing medical conditions - this covers anything your puppy has, has had symptoms of, or has had medication for or advice from a vet about
- Any treatment not recommended by a vet
- Dental treatment, unless caused as direct result of accident or injury
- Costs associated with pregnancy or giving birth
For full details of all exclusions, please refer to the policy wording.
If your puppy injures themselves or contracts an illness that needs vet attention, this will be covered by your Puppy Insurance policy (limitations and exclusions apply – please check your policy wording for details).
Your vet fee limit will also cover complementary treatments if advised by a vet, which may include hydrotherapy, osteopathy and physiotherapy.
Puppy Insurance policies through Healthy Pets will cover accident or injury-related dental care for your puppy. However, dental treatment brought on by illness or a lack of routine preventative dental care will not be insured. Cover limits apply.
Unfortunately, many puppies suffer from medical conditions. Some are genetic problems, whilst others are more associated with certain breeds. Examples include cruciate disease, arthritis, and respiratory conditions.
With certain policies through Healthy Pets, your puppy will be insured for travel abroad. Included is:
- Vet fees in the EU
- Holiday cancellation or postponement
- Maximum trip length per year (varies depending on cover length – check your policy wording)
Please note, the policy will not cover:
- Treatment of illnesses which were known prior to travel
- Accommodation or expenses for more than one person
- Travel outside of the EU
Please be aware that travel abroad is not included in our Select, Accident Only or Bronze Maximum Benefit Puppy Insurance policies.
Puppies with pre-existing medical conditions can be insured for future accidents or injuries through Healthy Pets, but care for the pre-existing conditions won’t be included. Please refer to your policy documents for full details.
Once your puppy reaches a certain age, co-insurance payments will come into effect on your Pet Insurance policy. Check your policy wording each year for details.
Paid alongside your compulsory fixed excess, the mandatory co-insurance payment is an amount you will put towards the cost of your insurance claim. Your co-payment amount may change at renewal, so please make sure to check your schedule for the latest figure when the policy renews, and also if you need to make a claim.
Some policies allow you to include co-insurance from birth if you wish, and others let you choose a different excess. Once co-insurance is added to your cover, it will remain for the duration of the policy.
So, how does it work?
- You put in a claim for £499 to treat your 6-year-old dog for a new condition
- If you have a Maximum Benefit policy you’ll pay a fixed excess of £125, leaving a vet bill of £374
- You then pay a co-insurance of 20% from the vet bill after the fixed excess has been deducted of £74.80
- This means your insurer pays the outstanding balance of £299.20
- In total, you pay £199.80 (fixed excess plus 20% co-insurance payment)
The idea of adding compulsory co-insurance payments to your Pet Insurance policy is to try and help keep premiums lower.
Please visit our claims page to request a Puppy Insurance claim form by phone, email, or by using our online request form. Please have your insurance documents to hand when you call, as they will contain your policy number and other vital information.
Liability insurance for puppies
Looking for liability insurance for your puppy? We can offer third party liability insurance for your dog on all our levels of cover.
To find out more about liability insurance and cover for your pet, simply visit our quote page, or call us on 01730 268 592.
Our pet insurance products
Read Pet Insurance Articles

Bringing a new dog home?
If you’re welcoming a new furry member to your family soon, it will feel as strange for them as it will for you. To make sure that the process of introducing your new dog is a safe and enjoyable one, read our guide.

What does pet insurance cover?
If you decide to take out a pet insurance policy, depending on your chosen level of cover, there are many things it could help to protect your furry friend from. Here’s how pet insurance through Healthy Pets breaks down...

Pets and the dangers of everyday foods
Novice pet owners entering their first festive season or Easter break with new furry family members need to be mindful of the dangers of chocolate, alcohol, nuts, and fruit.