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Lifetime Plus
Lifetime
With both policies, there’s no time limit on how long your pet can be treated — as long as you renew your cover each year without a break.
Yes at Petgevity you can cover up to eight cats and dogs on a policy. You can choose different cover levels and benefits for each of your pets to tailor the cover to each pet.
When you’re buying lifetime pet insurance from us, you’ll need to let us know about any of your pet’s pre-existing medical conditions.
This means you’ll need to declare any conditions that they have been diagnosed or treated for in the past 2 years – not including routine flea and worming treatments and vaccinations. Even if they said it wasn’t a big deal, it’s worth telling us about.
Getting started with pet insurance 34 Questions
What is pet insurance?
Pet insurance helps you to meet the cost of unexpected vets bills if your pet becomes unwell or has an accident and needs treatment.
Having pet insurance can also help with other costs such as paying for your pet to be looked after in an emergency or the cost of finding your pet if it goes missing or gets stolen.
There are four types of pet insurance:
Accident only – just covers accidents and injuries
Time limited – covers 12 months for a condition
Maximum benefit – covers a condition up to a maximum vet fee limit (with no time limit)
Lifetime – covers ongoing conditions up to a vet fee limit that starts again when you renew your policy.
What excess will I have to pay if I have to claim?
When you set up your policy, you can choose an excess from £0 to £500. If you choose a higher excess amount it will lower the cost of your cover.
You’ll be asked to cover the excess amount once per condition, per year. So if your pet has a recurring condition that’s covered in your policy, you’ll ony pay the excess once for the entire year.
You’ll also have the choice of a ‘bill share’, which is an amount you pay on top of your excess.
What is bill share?
Bill Share is our way of helping you control your premium — and it’s also known as a co-payment.
With Lifetime Plus: It’s totally optional — you can choose whether to add a co-payment, and if so, pick a level from 0% to 30%. The more you contribute towards a claim, the lower your premium will be.
With Lifetime: Co-payment is compulsory once your pet reaches a certain age:
Dogs: from 8 years
Cats: from 10 years
At this point, you’ll need to contribute 20% towards each claim (after the excess). You can still add an optional co-payment of 0%–30% before your pet reaches that age.
How does it work? Co-payment applies after your excess is deducted. You pay your chosen percentage of the remaining amount, and we pay the rest (up to your cover limit).
Let’s break it down to see how that could look if you needed to make a claim….
What is lifetime pet insurance?
Lifetime pet insurance can cover your pet for both one off and ongoing health conditions, as well as accidents or injury.
The amount of vet fee cover you chose starts again each year, as long as you renew your policy and there’s no break in cover. This means it can cover long term conditions for the life of your pet.
Who can be the policyholder?
Only one person, over 18, can be the policyholder – even if your pets have more than one owner.
This is the person who’ll be named on the policy and can change policy details.
If you need to nominate someone to speak on your behalf for changes or claims, just let our customer service team know.
What is continuous cover?
Continuous cover means that you won’t be left uncovered when switching from another pet insurance provider. Usually, you’ll have to wait 14 days before you can make a claim if you were starting a new policy.
Cover must be the same as your existing policy for it to be classed as continuous cover, for example, if your previous policy provided cover for vet fees at the time of your switch, but not for Trip Cancellation, you will have continuous cover for vet fees but not for Trip Cancellation.
What don’t you cover?
We don’t normally cover routine or investigative tests. The only time we could cover these is when they’re used to diagnose a new condition or the worsening of an existing condition covered under your policy.
We also won’t cover any routine and preventative treatments, vaccinations, not limited to, cosmetic dentistry, cosmetic surgery, cleaning and descaling of teeth, spaying, castration, routine removal of dew claws, parasite control, grooming and nail clipping or any complications arising from these treatments.
Also, we can’t cover pregnant animals or pets used for breeding.
Do you cover pregnant animals?
We can’t cover any treatment related to pregnancy, giving birth or breeding and any related complications.
Can you cover pets used for breeding?
No, we can’t cover any pets used for breeding.
Can you cover working animals?
The only working animals we can cover are Assistance Dogs for personal use.
If I fall ill, will my pet be looked after?
The last thing you want to be worrying about when you’re hospitalised or seriously ill is whether your pet can be looked after.
If you’re hospitalised, you’ll be covered for the cost of your pet staying in a kennel or cattery or having a pet minder, up to your policy limits.
If you’re not able to walk your dog because you’re incapacitated, we’ll cover the cost for a professional dog-walker to walk your dog twice a day, up to your policy limits.
What happens if my pet dies?
It’s a heart-breaking thought — but if the worst happens, we’re here to help with support and cover to ease the financial burden.
You can choose to add Farewell Cover to your policy, which helps with costs if your pet passes away from a condition covered under your policy.
Lifetime Plus We can cover up to £5,000 towards the purchase price or donation fee of your pet.
You can also claim up to £250 to help with cremation or burial costs, including an urn, casket, or box.
There’s no upper age limit for this cover.
Lifetime You can claim up to £1,000 for the purchase price or donation fee of your pet.
Farewell cover includes up to £250 towards cremation or burial expenses.
There are age limits:
Dogs: must be under 8 years old
Cats: must be under 10 years old.
Need to make a claim? You can do this quickly and easily through your online account. If you’d rather speak to someone due to the sensitive nature of the claim, one of our agents will be on hand to listen and guide you through the process with care.
Am I covered to travel with my pet?
If you buy the optional Travel and Holiday cover, you’ll be covered for vet fees abroad if you decide to travel with your pet worldwide for up to 183 days per year – as long as no trip is longer than 90 days.
With optional Travel and Holiday cover, you’re covered to cancel your trip if:
You’ll be covered to claim up to your policy limits for:
Can I buy pet insurance if my pet has an undiagnosed condition?
Yes — you can get cover while your pet is undergoing tests.
We will not be able to cover any symptoms or conditions they’re currently being investigated for. But your policy can still protect against anything new that happens that is not related to those symptoms.
We’re here to help you protect what matters — even during uncertain times.
Lifetime Plus: Once your pet has a diagnosis, you’ll have the option to add their conditions to the policy. This might affect the cost, but it means you can get ongoing cover for those specific conditions in the future.
Does my dog need to be microchipped to get cover?
It is a legal requirement in the UK for dogs and cats to be microchipped.
Dogs must be microchipped by the time they are 8 weeks old.
Cats must be microchipped by the time they are 20 weeks old. This is required by UK law from 10 June 2024.
You can get cover if your pet is not microchipped yet, but you will not be eligible for Missing Pet Cover until they are.
Remember to keep your microchip details up to date, it helps reunite you with your pet if they go missing.
How far in advance can I buy pet insurance?
You can buy your cover today to start at any time in the next 30 days.
What breeds don’t you cover?
We can’t cover the following dogs – as listed by the Dangerous Dogs Act, nor any cross or mixed breeds on this list. The UK introduced the act in 1991, to try and stop illegal dog fighting. These dog breeds are not allowed to be kept in the UK and can’t be insured:
Other dog breeds we can’t cover:
Akita, American Akita, American Bulldog, American Bullweiler, American Bully, American Foxhound, American Johnson Bulldog, American Staffordshire Terrier, Anatolian Karabash Dog, Anatolian Shepherd Dog, Anglican Bulldogge, Australian Dingo, Aylestone Old Tyme Bulldog, Blue Blood Cane Corso, British Timber dog, Bucovina Shepherd Dog, Bullboxer, Bull-Pei, Cane Corso (Italian Mastiff), Chinese Red Dog, Classic Bully, Continental Landseer, Czechoslovakian Wolfdog, Dogo Canario, Dorset Old Tyme Bulldog, Extreme Bully, Fox Hound, Greek Harehound, Greek Sheepdog, Greek Shepherd, Hellenic Hound, Hellinikos Ichnilatis, Istrian Coarse-haired Hound, Istrian Shorthaired Hound, Japanese Akita, Johnson American Bulldog, Kangal dog, Karelian bear dog, Korean Jindo, Kutta/Indian or Pakistani, Laizhou Hong, Mastiff Bully, Olde English Bulldogge, Perro De Presa Canario, Pocket Bully, Romanian Mioritic Shepherd Dog, Saarloos Wolfhound/ Wolfdog, Sabueso Espanol, Shar Pei, Shepherd Dog Caucasian, Standard Bully, Terrier American Staffordshire, Thai Ridgeback, Utonagan, Victorian Bulldog
We can’t cover the following cat breeds:
Why has my pet breed been listed as an excluded breed?
Insurance providers take different views when it comes to covering breeds. We constantly review our list, so it’s still worth speaking to us if you have a breed we can’t currently cover.
The only breeds we’ll never be able to cover you for are dogs listed under the Dangerous Dogs Act and breeds that are crossed with these.
Can you cover dental illnesses?
Yes. We can cover dental illnesses up to your chosen vet fee limit, or £5,000 – whichever is lower. But you’ll need to add dental cover as an optional extra to your policy.
What pre-existing conditions do you cover?
Lifetime Plus When you complete a quote with us, we’ll ask you questions about your pet’s health and let you know if we can cover their pre-existing condition.
Lifetime We do not provide cover for pre-existing conditions.
Can I use Behavioural Treatment and Complementary Therapy sessions for a pre-existing condition?
It depends on which policy you have.
Lifetime Plus Yes — if your pet’s pre-existing condition has been declared and accepted by us, you can claim for:
Behavioural Treatment, and/or Complementary Therapy.
These sessions must be recommended by your vet, and you can claim for up to 12 sessions in total per policy year.
Lifetime No — pre-existing conditions aren’t covered under this policy, so any behavioural or complementary treatments related to them won’t be included in your cover.
Do you offer pet insurance for rescue dogs and cats?
We can certainly look to cover your adopted pet.
Head on over and get a quote for your rehomed canine or feline today.
Do you offer indoor cat insurance?
As cool as this sounds, there’s no specialist indoor or outdoor cat insurance – it’s just cat insurance!
Some owners think their indoor kitty doesn’t need cover. But although they’re not exploring outdoors, your cat can still get ill and fall into scrapes.
Find out more about why you should think about getting insurance for your indoor cat.
What is third party liability cover for dogs?
Third party liability covers you if your dog causes death or injury to someone or their pet. It also covers you for loss or damage to another person’s property.
With a Petgevity policy, you’ll be covered up to £2,000,000 for legal action made against you.
Do you offer third party liability cover for cats?
Third party liability cover is for dogs only as their actions are your legal responsibility.
Whereas cats are seen as free individuals, so you’re not responsible for what they do when they’re out and about.
Can you cover older/senior dogs and cats?
Older cats and dogs are very welcome into the Petgevity pack!
There’s no upper age limit, so go ahead and get a quote with us for your senior pet.
Are there any age limits?
You can cover your puppy or kitten from four weeks of age.
But there’s no upper age limit for senior pets looking to get cover for adventures in their twilight years.
What is an excess?
The excess is the amount you’ve chosen to pay towards the cost of a claim.
With us, you can choose whether you’d like to add an excess between £0 and £500 to your cover.
What is an inner limit?
There is a maximum amount we’ll pay out each year for certain treatments and therapies, known as an ‘inner limit’.
This means that we’ll pay either the inner limit amount or your chosen vet fee amount, depending on which is lower.
Always check your policy wording to see the maximum amounts we’ll pay for other areas of cover.
How to create an account?
When you join us, we issue a welcome email to confirm you are now part of our pack and bark about all the information you need to know including a link to register your online account.
To make sure you are not missing out on these important emails, make sure you add Petgevity to your safe contacts list
If you have not received this email you can look to visit ‘Create Account’ to start the account creation process
If you are having trouble verifying your account, please see our handy How to Guide in the link below ‘Verify Account’
If you need any more assistance, please do speak with our web chat team who are available Monday-Friday 08:30-18:00 and Saturday 09:00-17:00.
What excess will I have to pay if I make a claim?
That depends on which of our Lifetime products you have — but both let you control the cost of your cover.
With Lifetime Plus: You can choose your excess from £0 to £500. A higher excess means a lower premium.
With Lifetime: You can choose an excess between £100 and £500, but there’s a minimum compulsory excess of £100.
You’ll only pay your chosen excess once per condition, per policy year. So if your pet needs ongoing treatment for the same condition, you won’t keep paying the excess every time — just once a year for that condition.
I have more than one type of pet to insure, can I cover them?
Yes, you can cover up to eight cats and dogs on a policy with us.
You can choose different cover levels and benefits for each of your pets to tailor the cover to each pet.
What conditions do I need to declare as part of my pet insurance?
It depends on the product you’re choosing.
With Lifetime Plus We do offer cover for some pre-existing medical conditions, depending on the details — so we’ll ask you to tell us about any:
This does not include routine flea or worming treatments and vaccinations.
Even if the vet said it wasn’t a concern, it’s still worth telling us — so we can assess it and let you know what’s covered.
With Lifetime We do not offer cover for pre-existing conditions, and you will not be asked to declare them when buying the policy.
Any previous health issues, signs, or symptoms your pet has had will simply not be covered.
Why can't I get a price or a quote?
While we aim to offer the chosen cover level for all pets, we can’t currently do so in all circumstances, but we are working with our underwriter to achieve this in the future.
It could be a case that some details aren’t quite right, and that’s easy for us to fix!
Just give us a call on 033 3241 7805 and one of the team can check the details and go through options with you.
Paying for your policy 7 Questions
How can I pay for my pet insurance?
You can pay your premium either monthly or once a year, with a debit or credit card.
Can I choose the date my monthly payments come out on?
You can change your monthly payment date via your online account.
Need some help? Send us a chat message via the support button in the bottom right corner of your online account.
Can I pay by direct debit?
You can absolutely make your monthly payments via direct debit.
You can also switch to direct debit if you’re currently paying via debit or credit card (known as a recurring card payment).
Head to the ‘Payment’ section of your online account and click the ‘Swap to direct debit’ button.
How to make a payment?
You can view your Payment history in your online account under the Payments tab
Here you can view your entire payment history, download a copy for your records and even change how you pay.
You can look to Swap to Direct Debit or Update your Card or Account Details
If you have missed any payments, you can visit the Payments Tab to pay any outstanding arrears. Just look for the option highlighted in pink to pay the missed date Once you have confirmed you are the cardholder and made payment, this will be confirmed and your Payment Tab updated Once you have made the necessary payment/s, your next payment will come out on the same day as it usually would
If you require any assistance in making your payment, you can reach our team on 0333 060 7987 who are available Monday-Friday 08:30-18:00 and Saturday 09:00-17:00
How to change payment date
Your online account is the easiest way to manage your details.
Once signed in you can visit the Payments Tab to see your Payment History
Here you can look to Update your Payment Date
This will show your current collection date and if paying via Direct Debit, you will be able to select a new date between 1st and 28th for us to take your monthly payments
If you are currently paying by card, you can select a date between 1st and 31st
Once saved, you will receive confirmation of your next payment date.
If you need any more assistance, please do speak with our web chat team who are available Monday-Friday 08:30-18:00 and Saturday 09:00-17:00
https://www.petgevity.co.uk/faqs Select ‘Contact Customer Services’ at the bottom of the page and ‘Chat Now’
How to update payment details.
Once signed in you can look to visit the Payments Tab to see your Payment History
You can look to Update your Card Details or Swap to paying via Direct Debit
When Updating your card details, you will be able to view your current card and Add New Simply enter your new card details and confirm your changes.
When swapping to pay via Direct Debit, please ensure that you are the bank account holder and are authorised to set up Direct Debit payments on this account Then simply enter and confirm your bank details
If you need to change your payment dates, please see our Handy how to guide in the link below ‘Change Payment Date’
If you require any assistance in updating your payment details, you can reach our team on 0333 060 7987 who are available Monday-Friday 08:30-18:00 and Saturday 09:00-17:00
Can I change the date my payment is made?
Yes, you can change the date your monthly payment is taken.
Simply log in to your online account to update it, or get in touch with our team. We’ll be happy to help.
Claims 8 Questions
Something’s wrong with my pet, what do I do?
If you’re not sure whether you need to call your vet for an appointment, all our customers have unlimited access to FirstVet. It’s a 24/7 vet video consultation service. Call them from the comfort of your home, without any additional fees.
If the vet you speak to on FirstVet thinks it’s a more serious issue, they’ll suggest what you need to do next.
What can I claim for?
You can claim for anything that’s covered under your policy.
It’s a good idea to check your Confirmation of Cover document and your policy wording before you need to make a claim, so you know what you can claim for.
Do I have to pay anything when I make a claim?
It depends on your cover and your pet’s age — but yes, in most cases you may need to contribute something.
Here’s what you might pay:
Excess
With Lifetime Plus, you choose your excess between £0 and £500.
With Lifetime, you choose between £100 and £500, with a minimum of £100.
You’ll only pay your excess once per condition, per policy year, even if you make multiple claims for the same issue during that year.
Bill Share (Co-payment) This is a percentage of the remaining vet bill after the excess has been deducted.
With Lifetime Plus, it’s optional — you can choose between 0% and 30%.
With Lifetime, it becomes compulsory once your dog turns 8 or your cat turns 10, set at 20%. Before that age, it’s optional like Lifetime Plus .
So the amount you’ll pay when claiming depends on:
How soon can I claim on my new Petgevity policy?
Once your policy starts, you can claim for illnesses and symptoms after 14 days and for accidents after 2 days.
But if you’re switching from another provider – known as continuous cover – you can make a claim immediately.
To be eligible for continuous cover you need to be switching:
You don’t need to have the same vet fee limit, excess, or bill share (also known as co-payment) with us that you chose with your previous provider.
How to submit a claim
If you need to make a claim, log in to your online account, head over to the “Claims” page and submit your claim. You might be able to submit your claim through your vet, so it’s worth checking with them. You can also call 0333 009 0998 to submit your claim.
Before you make a claim, have a look at your Confirmation of Cover document and policy wording, to see if you’re covered.
Please check: Any treatment you are claiming for happened after your policy started. Any pre-existing medical conditions are shown as accepted. The amount of excess you have chosen.
If you’re submitting a claim yourself, keep all your receipts, invoices, reports, and documents. You’ll need original copies to support your claim.
Once your claim has been registered, we will send a request to your vets for your pet’s full medical history, treatment notes and invoice.
When this information has been received from your vet your claim will then be referred for assessment. We will send you updates via email on when the information has been received, or if there is any missing information we still require from your vet.
Can my vet be paid directly if I need to claim?
Many vets use an online system to submit claims on your behalf. If your vet does this, they’ll send in the claim form for you and we’ll pay them direct. All you’d need to do is pay the vet your excess and/or bill share amount.
How to get an update on a claim
If you do require an update on your Claim, you can look to contact the Claim Teams directly via email on [email protected] or over the phone on 03330090998.
When can I claim on my new policy
If you’re not switching over your policy to us from another provider, you can claim after the following times, depending on each claim type:
Accidental injuries – 2 days Illnesses – 14 days Missing pets – 14 days
This means that if your pet needs help before these timescales – or shows symptoms during this time – you’ll need to foot the bill yourself.
If you are moving across from another provider, you could make a claim as soon as you start your policy with us, if:
My existing policy 33 Questions
Will my premium increase next year?
Premiums may increase at renewal, and there are a few reasons why this could happen:
We’ll always aim to offer a fair price.
Review your policy at renewal — so you can make sure it still suits your pet’s needs and your budget.
How do I activate my online account?
After completing the payment details for your policy, you will be taken to a screen confirming that your cover is active and asked to create a password.
Enter your chosen password and click the ‘Create An Account’ button.
A verification email will be sent to you – if you don’t see this in your main inbox, please check any spam/junk/promotional folders.
Click the ‘Verify my email address’ link in the email and this will take you to a confirmation screen.
You should now be able to log into your online account. If you get stuck, drop us a chat.
How do I access my policy documents?
You can view and download your policy documents on your online account.
Log in to your online account, accessible via the person icon in the top right-hand corner of the website.
Once signed in, the portal will automatically open on the ‘My Policy’ section.
Click the ‘Policy Documents’ button and this will take you to the area where you can view and download all of your policy documents.
You can also access your online account via the link in your welcome email.
Will my policy be automatically renewed?
Your policy will automatically renew at the end of your cover year, using the existing payment details we have for you.
If you don’t want to automatically renew, you can opt out via your online account.
What happens when I need to renew my policy?
We’ll send you an invitation to renew your policy at least 21 days before your renewal date. Not quite as exciting as getting a birthday party invitation, but we hope you’ll enjoy being with us for another year.
In your renewal, we’ll include your premium for the next year. If you renew on a continuous payment method, we’ll automatically renew your policy each year using the payment details we have for you.
Please get in touch before your renewal date if you’d like to renew with a different payment method, update any details, or change your cover options. You can do this on your online account.
When you renew, it’s important to check the information is accurate, or we might not be able to cover you when you need us.
Do I have to pay an admin charge if I make any changes?
No. We keep things fair and won’t charge any admin fees if you need to make changes to your policy.
Can I change my vet fee limits?
You can change your vet fee limits part way through your policy as long as you haven’t done either of these in your policy year:
– Made any claims or intend to make a claim. – Already changed your vet fee limits. You will only be able to increase or decrease your vet fee limit once per policy year.
If you want to increase your vet fee limits, you’ll be asked to re-screen your pet’s conditions to see if we can accept any new conditions.
If we can’t increase your cover for newly declared conditions, you’ll still be able to stay on your current vet fee limit.
If you’re looking to change your cover limits, you can log in to your online account and edit your policy.
Just drop us a chat if you get stuck, and we’ll help get this sorted for you.
How do I update my FirstVet account when switching to Petgevity from another pet insurance provider?
If you’re using the same registration details, you’ll just need to add your pet again.
If any of your details have changed, you can update these in the FirstVet account settings.
Can I change the date of my monthly payment?
You can change the date of your recurring card payment in your online account.
Head to the ‘Payment’ section and click the ‘Change payment date’ button.
Will I still get access to my benefits when I renew?
Great news – you’ll keep enjoying your Petgevity treats when you renew your cover.
This includes free 24/7 access to vet video calls to help keep your four-legged friend happy and healthy.
Your vet fee limit also resets each year that you renew.
Will I have to start paying a mandatory excess once my pet reaches a certain age?
Unlike with some other providers, there’s no compulsory excess with Petgevity pet insurance – even as your pet gets older.
So you can still choose if you’d like to add on an excess when you renew your cover with us.
There’s also no compulsory bill share (also known as co-payment), meaning you can decide if you want to add this on.
How do I add on dental cover to my existing policy?
Cover for dental accidents is included as standard on your policy.
You may be able to add on Dental Illness cover during your policy.
You can do this by logging in to your online account and editing your policy.
Can I still add Farewell Cover after my policy has started?
You can add on Farewell Cover within your cooling off period or when your cover is due to be renewed.
How do I update my FirstVet account when switching from another pet insurance provider?
How to amend my personal details
Your online account is the easiest way to manage your details
Once signed in, you can to visit the Policy View tab to view your policy and edit Your Details
Here you can update the following details;
• Your Name • Your Date of Birth • Your Email Address • Your Postal Address • Your Contact Telephone Number
If you have multiple policies, you can look to amend just the one or all of your policies at the same time
Please ensure that you remain the Policy Holder and are not looking to transfer this policy into some else’s name and/or address
How to update the neutered/spayed status
Once signed in, you can visit the Policy View tab to view your policy and then Edit your Policy
Simply scroll down to the question ‘Is your pet Spayed or Neutered?’ and update your answer
Once you have changed the Spayed or Neutered Status and you can then Save your changes
You will then see confirmation of the changes you have made along with any change in premiums required to make your amendment.
Ensure you read the terms and conditions before clicking the Complete button. You will then receive confirmation of your changes on screen as well as via email and you will be able to see your changes in your documents
How to update microchipping status
Once signed in you can visit the Policy View tab to view your policy and then Edit your Policy
Simply scroll down to the question ‘Microchipping Status’ and update your answer
If you are updating this answer to Yes, we may be able to now offer Missing Pet Cover.
If you are interested in adding this to your policy, This covers your pet up to £5,000 if they go missing or are stolen, and a reward is offered. You also get up to £250 towards advertising material costs, as well as up to £5,000 towards a reward
Once you have changed the Microchipping Status and decided on Missing Pet cover, you can then Save your changes
How to change my vet fee levels
Simply scroll down to your Pet’s Benefits section where you will see your current Vet Fee Cover per year
You can look to reduce this down to £1000 or increase up to £15,000 You can increase your Vet Fee Cover as long as your Pet is not currently awaiting tests, investigations or surgery or has any undiagnosed conditions
Please also ensure the pre-exisiting medical conditions declared for your pet are up to date and correct by reviewing the declaration that appears on your screen. If any of the medical information is incorrect and needs updating, you can reach out to our team on 0333 060 7987 who are available Monday-Friday 08:30-18:00 and Saturday 09:00-17:00
Please note when Increasing your Pet’s Vet Fee’s Cover, there is a 14-day waiting period for illnesses and a 48 hour waiting period for accidents. These waiting periods start from the day you make your changes and only apply to your vet fee but don’t worry, you’re still covered for your original cover levels for this waiting period.
Once you have changed your Vet Fee Cover you can then Save your changes
If you are need any more assistance, you can reach our team on 0333 060 7987 who are available Monday-Friday 08:30-18:00 and Saturday 09:00-17:00
How to amend the excess
Once signed in you can view and edit on the Policy View tab.
Scroll down to your Pet’s Benefits section. You will see your current Excess. Excess is applied per condition per policy year.
If you have a Lifetime Plus Policy the policy number will start PSR. You can look to change your excess to £0, £100, £200, £300, £400 or £500. Lifetime Plus customers will need to rescreen medical to reduce the excess.
If you have a Lifetime Policy the policy number will start PSL. You can look to change your excess to £100, £200, £300, £400 or £500.
If you decide to reduce your excess, this is based on you having no intention to make a claim, no claims already submitted or pending.
Please note if you reduce your excess, there is a 14-day waiting period for illnesses and a 48 hour waiting period for accidents. Please don’t worry, you are still covered for your original cover levels in this waiting period.
Once you have changed your Excess you can save your changes.
You will be shown a confirmation of the changes along with price changes.
Please make sure you read the terms and conditions before clicking the Complete button.
When you click complete, you will see confirmation of your changes. An email will be sent and you will be able to see the changes in your documents.
If you need any more assistance, please speak with our web chat team who are available Monday-Friday 08:30-18:00 and Saturday 09:00-17:00
How to amend bill share
Scroll down to your Pet’s Benefits section where you will see your current Bill Share %
If you have a Lifetime Plus policy the policy number will start PSR. You can look at changing the bill share to 0%, 10%, 20% or 30%. There is no compulsory excess when a pet reaches a certain age. Lifetime plus customers will need to rescreen medical to reduce the bill share.
If you have a Lifetime policy the policy number will start PSL. You can look at changing this to 0%, 10%, 20% or 30%. A 20% compulsory excess begins for Dogs at 8 years old and cats at 10 years old. Lifetime customers can only decrease bill share if they havn’t made a claim, do not intend to make a claim, or have a claim already submitted or pending.
Please note if you reduce your Bill share, there is a 14-day waiting period for illnesses and a 48 hour waiting period for accidents. Please don’t worry, you are still covered for your original cover levels in this waiting period.
Once you have changed your Bill Share % you can then save your changes
When you click complete, you will see confirmation of your changes. An email will be sent and you will be able to see the changes in your documents
How to amend the Dental Illness cover option
Simply scroll down to your Pet’s Extra’s section where you will see Dental Illness cover options
The good news is your Pet is already covered for dental treatment due to an accident, up to your chosen vet fee limit.
Dental Illness Cover adds cover for dental illnesses up to £5,000 (or up to their chosen vet fee limit, whichever is lower).
As long as you are the Policyholder, you can simply add or remove this cover using the slider option This can be added or removed within your 14-day cooling off period. A Full refund of your Dental Illness cover will be provided when removing this cover within your 14-day cooling off period
You can look to add Dental Illness cover as long as your Pet is not currently awaiting tests, investigations or surgery or has any undiagnosed conditions You would also be unable to add this cover if you have made a claim for Dental Illness or have any intention to make a claim for Dental Illness Please also ensure the pre-exisiting medical conditions declared for your pet are up to date and correct by reviewing the declaration that appears on your screen. Please note that you are only able to make this change once within your policy term, meaning you will be unable to remove this outside of the 14day cooling off period. The next opportunity to make further changes will be at point of renewal
If any of the medical information is incorrect and needs updating, you can reach out to our team on 0333 060 7987 who are available Monday-Friday 08:30-18:00 and Saturday 09:00-17:00 Should we be unable to proceed with medical cover due to your changes, we would be unable to continue with adding the Dental Illness cover to your policy
Please note when adding Dental Illness Cover, there is a 14-day waiting period for illnesses These waiting periods start from the day you make your changes and only apply to your vet dental illness
Once you have updated your Dental Illness Cover, you can then Save your changes
You will then see confirmation of the changes you have made along with any change in premiums required to make your amendment. Any premium changes will be processed straight away if your pay for your policy annually. If you pay monthly, any additional premiums will be spread over your remaining monthly payments
Ensure you read the terms and conditions before clicking the Complete button. You will then receive confirmation of your changes on screen as well as via email. New Policy documents will be issued to you and available on your MyAccount
If you need any more assistance with removing Dental Illness, please do speak with our web chat team who are available Monday-Friday 08:30-18:00 and Saturday 09:00-17:00
If you are looking to add Dental Illness, you can reach our team on 0333 060 7987 who are available Monday-Friday 08:30-18:00 and Saturday 09:00-17:00
How to amend the Travel & Holiday cover option
Simply scroll down to your Pet’s Extra’s section where you will see a Travel and Holiday Cover Option
This gives you cover if you take your Pet abroad, offers help if you’re unable to return home or have costs due to an unexpected change in your travel arrangements. Also gives you up to £5,000 if you cut short or cancel your holiday due to your Pet
As long as you are the Policyholder, you can simply add or remove this cover using the slider option This can be added at any time or removed within your 14-day cooling off period. A Full refund of your Travel and Holiday cover will be provided when removing this cover within your 14-day cooling off period After this time, your next opportunity to remove this cover will be at point of renewal
Please note when adding Travel and Holiday Cover, there is a 14-day waiting period for illnesses and a 48 hour waiting period for accidents These waiting periods start from the day you make your changes and only apply to your Travel and Holiday Cover
If you look to remove Travel and Holiday Cover, your Pet will no longer be covered for trips abroad or within the UK. You won’t be able to include this optional extra again until your next renewal date
Once you have updated your Travel and Holiday Cover, you can then Save your changes
You will then see confirmation of the changes you have made along with any change in premiums required to make your amendment..
How to add a pet
Your online account is the easiest way to manage your details. Once signed in you can look to visit the Policy view page to add your new Pet as long as you can agree to the following: • You are their owner and they live with you • Your pet has had a check-up with a vet in the last 12 months • Your pet isn’t used for breeding or commercial/work purposes • You’ve never had any insurance declined or cancelled by a pet insurer • You don’t have any unspent fraud convictions or crimes relating to animal welfare • Your pet won’t be covered for pre-existing conditions unless you’ve declared them and we’ve confirmed cover Once confirmed, you can complete your new pet details alongside declaring any pre-existing medical conditions You can then select your required cover for Vet Fee’s, Excess and Bill Share as well as any additional cover options you wish to add to your policy. Once your changes are made, you will be given your new pet’s renewal date and confirmation of premiums For your newly added pet, you can claim for illnesses after 14-days and for accidents after 2 days. If you’re moving across from another insurer on a like for like basis with no break in cover, you can make a claim straight away. Ensure you read the terms and conditions before clicking the Complete button. You will then receive confirmation of your changes on screen as well as via email and you will be able to see your changes in your documents If you require any assistance in Adding a new Pet, you can reach our team on 0333 060 7987 who are available Monday-Friday 08:30-18:00 and Saturday 09:00-17:00
Once signed in you can look to visit the Policy view page to add your new Pet as long as you can agree to the following:
• You are their owner and they live with you • Your pet has had a check-up with a vet in the last 12 months • Your pet isn’t used for breeding or commercial/work purposes • You’ve never had any insurance declined or cancelled by a pet insurer • You don’t have any unspent fraud convictions or crimes relating to animal welfare • Your pet won’t be covered for pre-existing conditions unless you’ve declared them and we’ve confirmed cover
Once confirmed, you can complete your new pet details alongside declaring any pre-existing medical conditions
You can then select your required cover for Vet Fee’s, Excess and Bill Share as well as any additional cover options you wish to add to your policy.
Once your changes are made, you will be given your new pet’s renewal date and confirmation of premiums
For your newly added pet, you can claim for illnesses after 14-days and for accidents after 2 days. If you’re moving across from another insurer on a like for like basis with no break in cover, you can make a claim straight away.
If you require any assistance in Adding a new Pet, you can reach our team on 0333 060 7987 who are available Monday-Friday 08:30-18:00 and Saturday 09:00-17:00
How to verify my account
When verifying your account, you should receive an email with a link to do so
Please note that the link is only valid for 24 hours If you have received your email and the link has expired, you can simply click the link and we’ll send you a new one
Once verified, you may be asked to complete your contact information. Please do ensure this matches your policy details so we can link your policy to your account successfully
Any problems with opening the link, not to worry, you can right click on the link, copy the web address and paste it in to the browser URL bar
Alternatively, you can visit https://my.petgevity.co.uk/create-an-account to start the account creation process again
How to update my password
If you need to reset the password on your online account, please click the link below
‘Forget Password’
If you have access to your MyPetgevity account and simply want to update your password, you can do so in your Account Details
Please ensure your password matches the below criteria
8-20 characters At least 1 uppercase letter At least 1 lowercase letter At least 1 number or special character (this can be either ! or * or ? or @ or $ or & )
If you need any more assistance, please do speak with our web chat team who are available Monday-Friday 08:30-18:00 and Saturday 09:00-17:00 (link to chat)
How to amend my email address on My Account
If you need to change the email address on your online account, please log into your account through the link below ‘Sign In’ In the Account Details Tab, please scroll down to Change your username This will show your current email address and account number and allows you to enter and confirm your new email address. To confirm the change, please enter your password and click Update Username A pop up will then appear to confirm your email has been updated You will then receive a confirmation email alongside a verification link to your new email address Please note, you won’t be able to make any other changes to your account until your new username is confirmed. This is to help keep things safe and secure. If you need any more assistance, please do speak with our web chat team who are available Monday-Friday 08:30-18:00 and Saturday 09:00-17:00 https://www.petgevity.co.uk/faqs Select ‘Contact Customer Services’ at the bottom of the page and ‘Chat Now’
If you need to change the email address on your online account, please log into your account through the link below
‘Sign In’
In the Account Details Tab, please scroll down to Change your username
This will show your current email address and account number and allows you to enter and confirm your new email address.
To confirm the change, please enter your password and click Update Username
A pop up will then appear to confirm your email has been updated
You will then receive a confirmation email alongside a verification link to your new email address
Please note, you won’t be able to make any other changes to your account until your new username is confirmed. This is to help keep things safe and secure.
How to update my marketing preferences
If you need to update your marketing preferences, you can look to do so through your online Account
You can let us know if you would like to receive our expert tips and updates by Email, SMS, Telephone or Post.
You can update these at any time by toggling each communication channel on or off, then confirm your choices by clicking the Update Marketing Preferences
How to let us know if you need extra support
We’re always on hand to help if you need any additional support
You can let us know of any situations or circumstances we may need to know through your online Account ‘Sign In’
We define these circumstances into 4 different areas;
Health – Any health conditions or illnesses that affect your ability to carry out day-to-day tasks.
Life – Any life events you’re experiencing such as bereavement, job loss or relationship breakdown.
Resilience – Any situations or circumstances that impact your ability to withstand financial or emotional shocks.
Capability – Any situations or circumstances that can make managing your finances or interacting with us more complicated.
Once you have selected your primary reason, we’ll ask some more details to understand your circumstances
All information you give us will be kept secure and confidential, unless you ask for these to be removed.
Anything you share will help us provide the best support with every interaction you have with us and to improve our service.
To best help you, we may need to pass this information over to our underwriters, claims team, or management and add a note to your account ready for when you next need to contact us
How to view my renewal
Your online account is the easiest way to manage your renewal.
Once signed in you can visit the Policy page. Here you can select your policy and then your renewal
This will show you your original renewal offer, please note that any changes made to your renewal may not update until your renewal date.
If you wish to make any changes to your renewal, please contact our team
If you need any more assistance, please do speak with our webchat team who are available Monday-Friday 08:30-18:00 and Saturday 09:00-17:00
Why has my renewal price gone up?
There are a few reasons why your renewal cost may have gone up:
Previous Claims – If you have made any claims in the past Medical History – If your pet has a pre-existing condition, there is an increased risk that they could become ill again in the future Vet Costs & Treatment Costs – Changes in vet clinic running costs and more sophisticated treatments mean higher costs, but they also give you more options to help your pet Age of Pet – The risk of becoming unwell increases as your pet gets older. Inflation – Increases to the Bank of England base rate has had a knock on effect to many daily living costs, including pet insurance.
We are always happy to look into amendments to a renewal to reduce the cost if you would like us to, please contact our team via webchat
How to stop my renewal
Once signed in you can visit the Policy page. Here you can select your policy and then your renewal, you will then see the option to ‘Opt Out’
By selecting to opt out, your renewal will not go ahead and the policy with expire on the renewal date.
If you change your mind, and wish to opt back in, you can follow the same steps again and ‘Opt In’.
What is a medical condition?
We consider a condition to be any accident or illness, including anything inherited or due to a birth defet whether you have a diagnosis, or not.
You will need to declare to us all conditions that your pet(s) has had in the last 2 years, as well as any ongoing conditions diagnosed over 2 years ago that havn’t needed vet follow ups or visits.
The names of any conditions declared need to be as they are stated on the veterinary history, you vets should be able to provide you with the names or a copy of the history if requested.
Yes — you can change your vet fee limits during your policy year, but only if:
Lifetime Plus If you want to increase your vet fee limit, we’ll ask you to re-screen your pet’s health.
If any new conditions are found, they might not be included in your updated cover — but you’ll still be able to stick with your current vet fee limit if you prefer.
You can make this change via your online account, alternatively you can call our customer team on 0333 060 7987.
Call us on: 0333 060 7987
Monday to Friday: 8.30am – 6pm Saturday: 9am – 5pm Sundays: Closed Bank Holidays: 9am – 5pm
Find out how to claim on your pet insurance here
Call us on: 0333 009 0998
Email: [email protected]
Address: Petgevity Claims 2nd Floor 5000 Lakeside North Harbour Western Road Portsmouth PO6 3EN
Monday to Friday: 8am – 6pm Saturdays: 9am – 2pm Sundays and Bank Holidays: Closed
We’ll respond within 48 working hours
[email protected]
Find out how to raise a complaint here
Send us a chat for a quicker reply. You can make most policy changes this way, or via your online account. If you require any additional help or support, let us know.
Alternatively you can email us: [email protected]
Opening hours:
Monday to Friday : 8.30am - 6pm
Saturday : 9am - 5 pm
Sunday : Closed
Bank Holidays : 9am - 5 pm
If you need to, you can also give us a call.
You can ask us a question via chat. If you require any additional help or support, let us know.
Alternatively you can email us about your complaint: [email protected]
Sunday & Bank Holidays : Closed
Alternatively you can email us about your claim: [email protected]
Monday to Friday : 8am - 6pm
Saturday : 9am - 2 pm