Dog Insurance

Affordable cover for your dog or puppy

Dog Insurance helps to cover your dog’s vets fees in case of accidents and more.

  • Accidents & illnesses
  • 4 cover levels
  • Direct vet payments
  • Third-party liability

Policies are arranged and administered by BDML Connect Ltd.
Policies are underwritten by Zenith Insurance Plc. Excesses, exclusions & limitations apply.
* Illness not covered under Accident Only cover
** Subject to availability

Want cover for your dog?

Get a quote

What's covered?

Excesses, exclusions & limitations apply – scroll down for more details

Overseas travel*

Bring your dog on your next trip


Like a cut or broken paw


We're here to help if your dog gets sick

Third-party liability

If your dog injures someone or damages their property

Vet fees

We can pay your vet directly, subject to availability

Medical treatment

Help your dog recieve the treatment it deserves.

*Not covered under Accident Only cover level.
Accidents are not covered in first 48 hours. Overseas travel is limited to EU and EEA states listed under the PETS travel scheme. Medicine is only if prescribed for a covered condition and subject to limits and terms.

Before you buy

Key features

Details about our Dog Insurance

Accident & illness cover

Accidents and illnesses involving your dog or puppy 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; death from accident or illness in the first 14 days; accidents in first 48 hours. Illness or death by illness is not covered on Accident Only policies.

Third-party liability cover

You could receive cover up to £1,000,000 if your dog injures another person or damages their property.


Available for all cover levels. Terms and conditions apply.

Advertising & reward cover

If your dog goes missing, you will be covered for any ads you need to take out in your local paper or other approved location, including the reward amount.


Not available for Accident Only policies, or within the first 14 days of (or prior to) the start of the policy. Excess applies.

Overseas cover

You can take your dog 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 f the PETS Travel Scheme.


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

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


*Per condition, per year

**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

Compare our cover levels*



Accident Only




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 0844 335 0324* and obtain approval from us before spending any money or paying any rewards. 


*Calls to 0844, 0843 and 0845 numbers cost 7p per minute, plus your telephone company's access charge.

What if my pet is lost?
Tap to read answer

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?
Tap to read answer

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.

How to claim

In just 4 steps

  1. Call us on 0844 335 0324* (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.

 *Calls to 0844 numbers cost 7p per minute, plus your telephone company's access charge

More about Dog Insurance

Unbridled excitement, unlimited accidents

You know your dog doesn't think twice about jumping off this, eating that or exploring where they shouldn't, sometimes with not-so-great results.

Your dog also doesn't think about the high cost you'd likely take on if they got into an accident or contracted an illness as a result of their adventures. That's why a Dog Insurance policy from Protect Your Bubble may be a smart choice.

Dog Insurance has you covered

Choose from four different levels of cover for your dog, from cover for the occasional accident to comprehensive protection that includes 364 days of overseas cover. We can pay any registered vet directly, subject to availability, and you can pick monthly or annual payments for your premiums. 

Our teams know how traumatic and worrying an incident involving your dog can be, so they'll be empathetic and understanding throughout your claim. You can also get support from our specialist team of qualified vet nurses who are trained in the complicated details and will talk to your vet for you, if need be.

You'll also get access to a number of pet helplines so you can get real-time support, fast.

Think a Dog Insurance policy sounds like a smart choice? Get started by getting a quote now.