Pet Insurance

Pet Insurance A range of cover for your dog or cat

Pet Insurance helps protect your furry family members in case of accidents, illnesses and more.

  • Choose between four cover levels
  • We can pay your vet directly, subject to availability
  • Monthly or annual payments
  • Third-party liability cover for dogs

Policies are arranged and administered by BDML Connect Ltd.
Policies are underwritten by Zenith Insurance Plc. Excesses, exclusions & limitations apply.

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Key features

Four cover levels

Choose between Economy, Standard, Premier or Accident Only cover levels to find the plan that fits your needs the best – read more about them below.

Illness and death by illness are not covered on Accident Only policies.

Accident & illness cover

Accidents and illnesses involving your pet usually take you by surprise. Our accident and illness cover offers four policy levels to suit all budgets

Not Covered: pre-existing conditions; preventative and elective treatments; death or illness due to not vaccinating according to British Small Animal Veterinary Association recommendations; claims where medication or treatment has not been recommended by a vet

Extra benefits

You get more than just vet fee reimbursement – you'll also be covered for death by accident or illness, boarding fees if you are hospitalised, non-recoverable holiday cancellation costs and a range of pet help-lines.

Illness or death by illness is not covered on Accident Only policies; death by illness is not covered for dogs 9+ years of age and cats 11+ years of age under any cover level.

Overseas cover

You can take your pet with you on your next trip: depending on the level of cover you choose, your pet can be covered overseas for up to 364 days

Cover lasts up to 30 days on Accident Only, Economy and Standard cover and 364 days on Premier cover. Your destination country must be in the EU or EEA and be a member of the PETS Travel Scheme.

Third-party liability cover (dogs only)

If someone is injured or their property is damaged as a result of an incident involving your dog, you'll be covered for up to £1m.

All policies include personal liability cover for dogs.

Advertising & reward

If your pet goes missing, we'll reimburse you for advertising its loss in your local paper or other approved location.

Not available for Accident Only policies.

Before you buy


Compare our cover levels*



Accident Only





What you'll need to pay for an approved claim. Swipe the table left and right to see all excesses.

  Accident Only Economy Standard Premier
Fixed excess* £75 £99 £85 £85
Variable excess** 10%
(10% of the remaining claim value after the fixed excess has been deducted)


*Charged per condition, per year. This means that, during the year of your policy, if two separate conditions are found, (even if they are found under one treatment) two sets of excess will be payable. However, if one condition requires three separate treatments, only one excess will be payable. 

**The variable excess amount is required along with the fixed excess amount upon claim. Applies to dogs 5+ years old, cats 7+ years old and some selected breeds.

Policy Wording    Contact us

How to claim

  1. Call us on 0333 234 0613 (8am – 6pm Monday to Friday, 9am – 2pm on Saturdays). You will need to send us the claim form, any invoices and a full clinical history within 60 days of your pet receiving treatment, or as soon as possible thereafter. If you do not do this, your claim may not be paid.

  2. If you have settled your bill, simply call us and we'll talk you through the claims process, send you a claim form and advise you as to the documentation you need to send to us along with the completed form.

  3. If your vet elects to claim on your behalf, we will still send the claim form to you first. You will need to fill in certain sections of the form and then take it to your vet, who will fill in the rest and send it on to us with any supporting documentation.

  4. Once we have the completed form and all the required documentation, we will assess and process your claim – if you choose, you can elect to be kept updated on progress via text message or email, or simply wait for your settlement.

Frequently asked questions

If I lose my pet and put an advert in the newspaper, is the ad and the reward I offer covered?
Tap to read answer

Yes – in the event of your pet being lost, we will reimburse you for advertising its loss in a local paper or other approved location, and for a reasonable reward that you offer for your pet’s recovery. You should telephone 0333 234 0613 and obtain approval from us before spending any money or paying any rewards. 

What if my pet is lost?
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The loss of dogs should be reported to the police within 24 hours of disappearance; for both cats and dogs, telephone us and report the possible loss. If your pet hasn’t been found after 45 days – and you’ve put the appropriate effort into finding it, like taking out advertising and offering rewards – you may be eligible for reimbursement up to a maximum of £250 (Economy cover),  £500 (Standard cover) or £1000 (Premier cover).
Are there age limits for cover?
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Yes – your pet must be at least 8 weeks old in order to open a policy. There is no maximum age limit for covering pets; however, death by illness is not covered for dogs that are 9 or more years old and cats that are 11 or more years old. 
How do you calculate my quote?
Tap to read answer
When determining your cost of cover, we look at the breed of your pet, along with its age, gender and where you live. Every quote is calculated individually, so you can be sure you'll get the most competitive price possible.

More about Pet Insurance

Having a pet can be an expensive business

Yes, you’re rewarded with companionship, love and all the daily pleasures that a pooch or a moggie can provide, but when unexpected accidents occur or when your pet gets sick, you want to be sure you do everything possible to get them healthy again – and keep them healthy for the foreseeable future.

Unfortunately, as more treatments become available for animals, the costs of veterinary care are rising rapidly.

Protect now, save later

That's where Pet Insurance comes in: a small investment now can help pay for your pet's care later on. With cover for vet fees, boarding fees, accidents and more, Pet Insurance helps to keep your pet covered in case of the unexpected. Choose from four different cover levels – at varying price ranges – to get the plan that best fits your needs and your budget.

And if you ever do need to claim, you can feel comforted knowing that all claims are handled by experts (including a specialist team of qualified vet nurses). They are there to help and guide you through what we know can often be a worrying and traumatic time.

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