Based on reviews of all products
Select Plus, cover that takes Pet Insurance to the next level
We know you want to do as much as you can for your four-legged companion. Give them an extra layer of protection with a Select Plus Pet Insurance Policy through Healthy Pets.
Why might I need Select Plus Pet Insurance?
We know how much your pet means to you. If you notice they’re not their usual boisterous self, it can cause worry and stress for the whole family. Your pet is a huge part of your world, and that’s why you may want to consider protecting them with a Select Plus Pet Insurance Policy. With the peace of mind that Select Plus could bring, you can focus all your energy on helping your pet on their road to recovery. Upgrading to Select Plus Pet Insurance could make all the difference at what can be a very challenging time.
Why consider Healthy Pets when taking out cover?
- Pick a tier of vet fee cover that works for you and your pet
- Your insurer pays the practice directly if mutually agreed by you and your vet. Subject to the policyholder paying their excess (and any applicable co-insurance fee) to the vets
- Cover available for accidental damage, legal cover (dogs only), vet fees and UK & EU travel, including various illnesses and injuries for as long as your Select Plus Pet Insurance policy is in place. Limits apply
- Healthy Pets have over 1,900 5* reviews across all products on Trustpilot as of December 2023
- Connect with fellow pet owners through Facebook, Instagram and X
What benefits are included with the Select Plus tier of cover?
With the Select Plus tier of cover you get all the benefits of Select, as well as the following:
Accidental damage - If your dog was to cause minor damage to someone else’s property, Select Plus Insurance through Healthy Pets would help to cover the cost of repairs or replacement up to £750. Dog Insurance only.
Cover if your pet is lost or stolen - If your pet is stolen or goes missing, up to £1,000 cover will be provided for advertising or reward costs for their return.
Cover if your pet passes away due to accident or illness - If your vet recommends your pet is put to sleep or passes away as a result of an accident or illness, you’ll be paid either the purchase price of your pet, or up to the cover limit provided – whichever is lower. Subject to the purchase price you provide and a receipt of purchase. Paid for cats aged 10 years and below. A purchase price can be requoted (with proof of receipt) as a mid-term adjustment.
Cover for UK and EU travel - If your holiday has to be cancelled or delayed due to your pet having a life-threatening injury or illness, your insurer will contribute up to £1,000 towards additional costs. Treatment fees for an injury or illness in the EU will also be covered.
Cover level £2,000
| Feature/benefit | Select Plus Cover Level £2,000 | |
| Vet fees | £2,000 | |
| MRI / CT scans* | £1,500 | |
| Cruciate ligament* | £2,000 | |
Dental Treatment* (Dental cover basis) | £2,000 | |
| Accident & Injury | ||
| Complementary Treatments* | £750 | |
| Acupuncture | ||
| Homeopathy | ||
| Herbal medicine | ||
| Physiotherapy | ||
| Hydrotherapy | ||
| Osteopathy | ||
| Chiropractic | ||
| Behavioural problems* | £750 (Restricted) | |
| Food prescribed by a vet* | £100 | |
| Advanced treatments (Stem cell treatment, gene therapy, transplant surgery with necessary pre- and post-operative care, and prosthesis | ||
| Hereditary conditions | ||
| Congenital conditions | Restricted | |
| Claims basis | Per year | |
| Max fees per condition | £2,000 | |
| Time limit | No limit | |
| Max fees per condition for lifetime of pet | Unlimited | |
| Total vet fees for life of pet | Unlimited | |
| Third party liability | ||
| Dog Liability - Personal | £1,000,000 | |
| Dog Liability - Property | £1,000,000 | |
| Accidental damage | ||
| Accidental Damage - 3rd Party Property | £250 | |
| Cover if your pet is lost or stolen | ||
| Advertising & Reward | £600 | |
| Replacing your pet if it is not found within 45 days | £1,000 | |
| Excess | £0 | |
| Cover if your pet passes away due to accident or illness | ||
| Death By Accident (no max age) | £1,000 | |
| Maximum age for dogs & cats | No max | |
| Death By Illness | £1,000 | |
| Maximum age for dogs & cats | 8 years | |
| Pet Value Basis | Purchase price/Market value | |
| Excess | £0 | |
| Emergency boarding when you're ill | ||
| Pet minding & Boarding fees | £500 | |
| Excess | £0 | |
| Travelling* (UK & EU) | ||
| Cancellation, rebooking, cutting your trip short or extending your trip (including additional accommodation up to 14 nights and quarantine kennelling), up to | £500 per year | |
| Additional Accommodation – maximum amount per night | £30 per night up to 14 nights | |
| Maximum length of trip abroad | 30 days per year | |
*Included in the overall vet fee limit. Maximum limits shown. Other features, benefits and limitations exist. Please contact us for details.
| Excesses (These change dependent on your pets age and are payable each year for recurring conditions) | ||
| Excess starting at £99 | £139 selected breeds | |
Compulsory Co-insurance % Information on co-insurance is available in the FAQ section of this page | 20% | |
Age for cats when co-insurance applies Age for dogs when co-insurance applies | 7 5 | |
Excess (All liability claims) | £250 | |
| Exclusion Periods | |
| Initial Exclusion Period - Accidents | 2 days |
Initial Exclusion Period - Illness | 10 days |
Minimum Pet Age for New Customers | 5 weeks |
Maximum Pet Age for New Customers | Dogs - 11 years Cats - 13 years |
Cover level £4,000
| Feature/benefit | Select Plus Cover Level £4,000 | |
| Vet fees | £4,000 | |
| MRI / CT scans* | £3,000 | |
| Cruciate ligament* | £4,000 | |
Dental Treatment* (Dental cover basis) | £4,000 | |
| Accident & Injury | ||
| Complementary Treatments* | £1,000 | |
| Acupuncture | ||
| Homeopathy | ||
| Herbal medicine | ||
| Physiotherapy | ||
| Hydrotherapy | ||
| Osteopathy | ||
| Chiropractic | ||
| Behavioural problems* | £1,000 (Restricted) | |
| Food prescribed by a vet* | £150 | |
| Advanced treatments (Stem cell treatment, gene therapy, transplant surgery with necessary pre- and post-operative care, and prosthesis | ||
| Hereditary conditions | ||
| Congenital conditions | Restricted | |
| Claims basis | Per year | |
| Max fees per condition | £4,000 | |
| Time limit | No limit | |
| Max fees per condition for lifetime of pet | Unlimited | |
| Total vet fees for life of pet | Unlimited | |
| Third party liability | ||
| Dog Liability - Personal | £1,000,000 | |
| Dog Liability - Property | £1,000,000 | |
| Accidental damage | ||
| Accidental Damage - 3rd Party Property | £500 | |
| Cover if your pet is lost or stolen | ||
| Advertising & Reward | £800 | |
| Replacing your pet if it is not found within 45 days | £1,500 | |
| Excess | £0 | |
| Cover if your pet passes away due to accident or illness | ||
| Death By Accident (no max age) | £1,500 | |
| Maximum age for dogs & cats | No max | |
| Death By Illness | £1,500 | |
| Maximum age for dogs & cats | 8 years | |
| Pet Value Basis | Purchase price/Market value | |
| Excess | £0 | |
| Emergency boarding when you're ill | ||
| Pet minding & Boarding fees | £750 | |
| Excess | £0 | |
| Travelling* (UK & EU) | ||
| Cancellation, rebooking, cutting your trip short or extending your trip (including additional accommodation up to 14 nights and quarantine kennelling), up to | £750 per year | |
| Additional Accommodation – maximum amount per night | £40 per night up to 14 nights | |
| Maximum length of trip abroad | 60 days per year | |
*Included in the overall vet fee limit. Maximum limits shown. Other features, benefits and limitations exist. Please contact us for details.
| Excesses (These change dependent on your pets age and are payable each year for recurring conditions) | ||
| Excess starting at £99 | £139 selected breeds | |
Compulsory Co-insurance % Information on co-insurance is available in the FAQ section of this page | 20% | |
Age for cats when co-insurance applies Age for dogs when co-insurance applies | 7 5 | |
Excess (All liability claims) | £250 | |
| Exclusion Periods | |
| Initial Exclusion Period - Accidents | 2 days |
Initial Exclusion Period - Illness | 10 days |
Minimum Pet Age for New Customers | 5 weeks |
Maximum Pet Age for New Customers | Dogs - 11 years Cats - 13 years |
Cover level £7,000
| Feature/benefit | Select Plus Cover Level £7,000 | |
| Vet fees | £7,000 | |
| MRI / CT scans* | £4,500 | |
| Cruciate ligament* | £7,000 | |
Dental Treatment* (Dental cover basis) | £7,000 | |
| Accident & Injury | ||
| Complementary Treatments* | £1,500 | |
| Acupuncture | ||
| Homeopathy | ||
| Herbal medicine | ||
| Physiotherapy | ||
| Hydrotherapy | ||
| Osteopathy | ||
| Chiropractic | ||
| Behavioural problems* | £1,500 (Restricted) | |
| Food prescribed by a vet* | £200 | |
| Advanced treatments (Stem cell treatment, gene therapy, transplant surgery with necessary pre- and post-operative care, and prosthesis | ||
| Hereditary conditions | ||
| Congenital conditions | Restricted | |
| Claims basis | Per year | |
| Max fees per condition | £7,000 | |
| Time limit | No limit | |
| Max fees per condition for lifetime of pet | Unlimited | |
| Total vet fees for life of pet | Unlimited | |
| Third party liability | ||
| Dog Liability - Personal | £1,000,000 | |
| Dog Liability - Property | £1,000,000 | |
| Accidental damage | ||
| Accidental Damage - 3rd Party Property | £750 | |
| Cover if your pet is lost or stolen | ||
| Advertising & Reward | £1,000 | |
| Replacing your pet if it is not found within 45 days | £2,000 | |
| Excess | £0 | |
| Cover if your pet passes away due to accident or illness | ||
| Death By Accident (no max age) | £2,000 | |
| Maximum age for dogs & cats | No max | |
| Death By Illness | £2,000 | |
| Maximum age for dogs & cats | 8 years | |
| Pet Value Basis | Purchase price/Market value | |
| Excess | £0 | |
| Emergency boarding when you're ill | ||
| Pet minding & Boarding fees | £1,000 | |
| Excess | £0 | |
| Travelling* (UK & EU) | ||
| Cancellation, rebooking, cutting your trip short or extending your trip (including additional accommodation up to 14 nights and quarantine kennelling), up to | £1,000 per year | |
| Additional Accommodation – maximum amount per night | £50 per night up to 14 nights | |
| Maximum length of trip abroad | 90 days per year | |
*Included in the overall vet fee limit. Maximum limits shown. Other features, benefits and limitations exist. Please contact us for details.
| Excesses (These change dependent on your pets age and are payable each year for recurring conditions) | ||
| Excess starting at £99 | £139 selected breeds | |
Compulsory Co-insurance % Information on co-insurance is available in the FAQ section of this page | 20% | |
Age for cats when co-insurance applies Age for dogs when co-insurance applies | 7 5 | |
Excess (All liability claims) | £250 | |
| Exclusion Periods | |
| Initial Exclusion Period - Accidents | 2 days |
Initial Exclusion Period - Illness | 10 days |
Minimum Pet Age for New Customers | 5 weeks |
Maximum Pet Age for New Customers | Dogs - 11 years Cats - 13 years |
FAQs about Select Pet Insurance through Healthy Pets
Cover can be provided for cats and dogs through Healthy Pets so long as they are 5 weeks old or above. New policies can insure cats up to 13 years old and dogs up to 11 years old.
Sadly, Healthy Pets can’t offer cover for horses, rabbits or other pets. If your cat or dog has a pre-existing medical condition, they can only be insured for future injuries or accidents – medical conditions they already have won’t be covered. You must also be a UK resident if you wish to take out Pet Insurance through Healthy Pets.
Be sure to check our excluded breed list on our FAQ page.
The cost of a Pet Insurance policy will depend on the product and the tier of cover you choose. Various other factors will also be considered, including the age of your pet and where you live. Higher tiers of cover will cost more; however, if your pet requires more extensive treatment, you’ll have a broader range of protection available to you. Costs may also be dictated by varying fees between veterinary practices and the breed of your pet. All of these things combined will impact the amount you’ll be able to claim for a medical condition or illness.
You are not legally required to have Pet Insurance. However, for pet owners without a policy, vet bills can add up. With that in mind, you may like to consider taking out cover, as it becomes a safety net which could help towards fees if your pet has an accident or develops an illness. If vet fees are a concern for you, Pet Insurance is something you may like to look into.
Your insurer will usually pay the vet directly; this is subject to the excess fee being paid to the vet by the policyholder. However, if the invoice has been settled, they will pay you instead.
What might lead to increased Pet Insurance premiums in the future?
There are various reasons why premiums could rise over time. These may include:
- Your pet’s claims history
- Pets ageing
- Vet treatments rising in cost due to complexity
- The cost of living causing vet fees to rise in your area
Yes, please check your policy schedule for the fixed excess that applies to your pet.
The fixed excess is the amount you must pay towards treatment for each condition in a policy year when you make a claim. Your insurer will cover the remaining cost of the claim or any other eligible claims for the same condition during that policy period, up to your cover limit. If your pet is treated for the same illness or injury in separate policy periods, the excess will be applied to the first claim in each policy period.
- 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.
Get a Select Plus Insurance quote online
Our pet insurance products
Kitten Insurance
There are a number of reasons you might like to consider taking out a Kitten Insurance Policy.
Dog Insurance
Our Dog Insurance policies can pay up to £7,500 for conditions, and offer third-party liability cover up to £1 million as standard.
Puppy Insurance
We can offer Pet Insurance for puppies from five weeks old. Protect your young dog with our cover today: get a quote online.
Read Pet Insurance Articles
What are the signs of stress in dogs?
Noticed a change in your dog’s behaviour? They could be feeling stressed. Check out our blog for tips on identifying and dealing with stress in dogs.
Tips for Travelling in the UK with a Dog
Planning a UK holiday for you and your dog? Check out our blog for some pet-friendly travel tips!
Hairball awareness
Cats are excellent groomers, but sometimes they need a hand to stop hairballs causing health issues. Check out our blog to find out how you can help your feline with hairballs.