Pet Insurance Policy Benefits
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Select and Select Plus
Cover level £2,000
| Feature/benefit | Select | Select Plus |
| Vet fees | £2,000 | £2,000 |
| MRI / CT scans* | £1,000 | £1,500 |
| Cruciate ligament* | £2,000 | £2,000 |
Dental Treatment* (Dental cover basis) | £1,500 | £2,000 |
| Accident & Injury | ||
| Complementary Treatments* | £500 | £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 | Select | Select Plus |
| Accidental Damage - 3rd Party Property | £250 |
| Cover if your pet is lost or stolen | Select | Select Plus |
| 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 | Select | Select Plus |
| 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 | Select | Select Plus |
| Pet minding & Boarding fees | £500 | |
| Excess | £0 | |
| Travelling* (UK & EU) | Select | Select Plus |
| 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.
Cover level £4,000
| Feature/benefit | Select | Select Plus |
| Vet fees | £4,000 | £4,000 |
| MRI / CT scans* | £2,000 | £3,000 |
| Cruciate ligament* | £2,500 | £4,000 |
Dental Treatment* (Dental cover basis) | £3,000 | £4,000 |
| Accident & Injury | ||
| Complementary Treatments* | £750 | £1000 |
| Acupuncture | ||
| Homeopathy | ||
| Herbal medicine | ||
| Physiotherapy | ||
| Hydrotherapy | ||
| Osteopathy | ||
| Chiropractic | ||
| Behavioural problems* | £1,000 (Restricted) | |
| Food prescribed by a vet* | £100 | £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 | Select | Select Plus |
| Accidental Damage - 3rd Party Property | £500 |
| Cover if your pet is lost or stolen | Select | Select Plus |
| 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 | Select | Select Plus |
| 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 | Select | Select Plus |
| Pet minding & Boarding fees | £500 | £750 |
| Excess | £0 | |
| Travelling* (UK & EU) | Select | Select Plus |
| 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.
Cover level £7,000
| Feature/benefit | Select | Select Plus |
| Vet fees | £7,000 | £7,000 |
| MRI / CT scans* | £3,000 | £4,500 |
| Cruciate ligament* | £3,000 | £7,000 |
Dental Treatment* (Dental cover basis) | £5,000 | £7,000 |
| Accident & Injury | ||
| Complementary Treatments* | £1,000 | £1,500 |
| Acupuncture | ||
| Homeopathy | ||
| Herbal medicine | ||
| Physiotherapy | ||
| Hydrotherapy | ||
| Osteopathy | ||
| Chiropractic | ||
| Behavioural problems* | £1,500 (Restricted) | |
| Food prescribed by a vet* | £100 | £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 | Select | Select Plus |
| Accidental Damage - 3rd Party Property | £750 |
| Cover if your pet is lost or stolen | Select | Select Plus |
| 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 | Select | Select Plus |
| 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 | Select | Select Plus |
| Pet minding & Boarding fees | £500 | £1,000 |
| Excess | £0 | |
| Travelling* (UK & EU) | Select | Select Plus |
| 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.
Important Notes
Behavioural problems are only covered if they are a result of an insured event
Food prescribed by a vet is covered up to policy limits or 4 weeks’ worth – whichever is less
Advertising materials if your pet is lost or stolen covered up to £200
Accident Only, Maximum Benefit and Lifetime re-instatement
Policy Benefits | Accident Only | Bronze | Silver | Gold | Extra | Premier |
| Cover for Accidents | Yes | Yes | Yes | Yes | Yes | Yes |
| Cover for Illness | No | Yes | Yes | Yes | Yes | Yes |
| Vet's Fees up to | £1,000 | £1,000 | £4,250 | £7,500 | £2,000 pa | £4,250 pa |
| of which | £1,000 max each condition each year | £3,250 max each condition each year | ||||
| - Complementary Medicine | £400 | £400 | £500 | £750 | £500 | £750 |
| - Cruciate Ligament Total | £500 | £1,000 | £1,500 | £1,500 | £1,000 | £1,500 |
| - Special Diet | No | £100 | £100 | £100 | £100 | £100 |
| - CT/MRI Scans and Associated Costs | No | £500 | £875 | £1,875 | £875 | £1,875 |
| - Dentistry as a direct result of an accident or injury | No | £1,000 | £4,250 | £7,500 | £2,000 | £4,250 |
| Cover for Ongoing Conditions | 12 months* | Yes | Yes | Yes | Yes | Yes |
| Accidental Damage | No | No | No | £500 | No | £500 |
| Death from Illness | No | No | £500 | £1,000 | £500 | £1,000 |
| Death from Accident | No | No | £500 | £1,000 | £500 | £1,000 |
| Advertising & Reward | No | No | £500 | £1,000 | £500 | £1,000 |
| Theft or Straying | No | No | £500 | £1,000 | £500 | £1,000 |
| Boarding Kennel Fees | No | No | £500 | £1,000 | £500 | £1,000 |
| Holiday Cancellation | No | No | £500 | £2,000 | £500 | £2,000 |
| Overseas Travel | No | 30 days | 30 days | 12 months | 30 days | 6 months |
Important Notes
- Accidental Damage Excess is £100.
- Death From Illness does not apply to dogs 9 yrs and over and cats 11 yrs and over.
- Ongoing Cover for eligible new conditions is subject to cover remaining in force and the original policy limit.
- Please note that the benefit limit, for complementary medicine, special diet, CT/MRI scans and associated costs, cruciate ligament and dentistry is included within the maximum veterinary fees benefit limit as per the cover you have selected.
- For all claims, the excess you pay is for each unrelated injury or illness in each policy year. If your pet receives treatment for the same injury or illness in separate policy years, we will deduct the fixed excess from the first claim(s) for each in each policy year
* For the costs of treatment for up to one calendar year from the date of the first treatment after your pet is hurt in an accident
Please note, from 11 November 2024 we’re no longer offering our Lifetime Pet Insurance through our website. This type of policy is now only available to new customers through Compare The Market.
Policy Documents
Pet Insurance Select Policy (PDF 1.4MB)
Pet Insurance Select Plus Policy (PDF 601KB)
Pet Insurance Accident Only Policy (PDF 372KB)
Pet Insurance Bronze Maximum Benefit Policy (PDF 373KB)
Pet Insurance Silver Maximum Benefit Policy (PDF 374KB)
Pet Insurance Gold Maximum Benefit Policy (PDF 374KB)