Vet fees up to £15,000
To suit your pet’s needs, choose vet fee cover from £1,000 to £15,000. The limit resets every year you renew.
To suit your pet’s needs, choose vet fee cover from £1,000 to £15,000. The limit resets every year you renew.
Design your own pet insurance
Policies as unique as your pet. Set your own limits, excess and optional extras, for cover as snug as a collar.
Policies as unique as your pet. Set your own limits, excess and optional extras, for cover as snug as a collar.
Switch with unbroken cover
If you switch to us from a like-for-like policy, there’ll be no gap in cover, with protection starting straight away**.
If you switch to us from a like-for-like policy, there’ll be no gap in cover, with protection starting straight away**.
Vet fees up to £15,000
More info
To suit your pet’s needs, choose vet fee cover from £1,000 to £15,000. The limit resets every year you renew.
Design your own pet insurance
More info
Policies as unique as your pet. Set your own limits, excess and optional extras, for cover as snug as a collar.
Switch with unbroken cover
More info
If you switch to us from a like-for-like policy, there’ll be no gap in cover, with protection starting straight away**.
We all love our dogs. Like family, we want them to be happy, and fulfill their sense of adventure. And we also want to protect them from becoming sick or getting injured if we can. This is exactly what dog insurance is for. It can save us from having to make heartbreaking decisions in the face of vet bills we’re unable to afford.
The average cost of pet insurance claims in 2023 was £668, according to The ABI. If you want your dog to be protected from the unexpected, it’s worth considering dog insurance for peace of mind.
To find out how pet insurance can help when it matters most, read our ultimate guide to whether pet insurance is worth it.
Dog insurance is there to help with unexpected vet bills. Like a trusty sidekick, it springs into action if your dog gets into a scrape or becomes unwell.
With a Petgevity policy, you get:
Need more protection? There are a range of optional extras you can tag onto your policy, such as holiday cover, or dental illness cover. This way, you can fashion your cover for your pup’s exact needs.
While your pet lives their best life, having a comprehensive policy in place protects you for unexpected bumps, scrapes and bugs. Here’s what our flexible pet insurance offers.
Puppy cover
Older dog cover
Multi-pet cover
Puppy cover
Older dog cover
Multi-pet cover
Choosing Petgevity to protect your dog gives you more than just vet fee cover. Here's what you get from our policy.
Dental accident
Covers your pet up to the chosen vet fee limit if they have a dental accident or injury. Always be sure to take your pet for annual dental check-ups, and follow your vet’s advice.
Covers your pet up to the chosen vet fee limit if they have a dental accident or injury. Always be sure to take your pet for annual dental check-ups, and follow your vet’s advice.
Behavioural treatment
Get expert help with your pet’s mental and emotional wellbeing, as advised by your vet. Cover up to your chosen vet fee amount or the cost of up to 12 sessions, whichever is lower (Lifetime Plus); or up to £1,000 (Lifetime).
Get expert help with your pet’s mental and emotional wellbeing, as advised by your vet. Cover up to your chosen vet fee amount or the cost of up to 12 sessions, whichever is lower (Lifetime Plus); or up to £1,000 (Lifetime).
Complementary therapy
As advised by your vet, this covers alternative treatments like acupuncture or hydrotherapy. Cover up to your chosen vet fee amount (Lifetime Plus); or up to chosen vet fee amount or £1,500, whichever is lower (Lifetime).
As advised by your vet, this covers alternative treatments like acupuncture or hydrotherapy. Cover up to your chosen vet fee amount (Lifetime Plus); or up to chosen vet fee amount or £1,500, whichever is lower (Lifetime).
Emergency care
If you can’t look after your pet due to an emergency, such as an unplanned hospital visit, this covers you for up to £1,500 (Lifetime Plus) in minding costs.
If you can’t look after your pet due to an emergency, such as an unplanned hospital visit, this covers you for up to £1,500 (Lifetime Plus) in minding costs.
Third-party liability for dogs
Covers you for legal costs if your dog causes injury to somebody or their pet, or causes loss or damage to someone’s property. Protects you for up to £2 million in a legal action.
Covers you for legal costs if your dog causes injury to somebody or their pet, or causes loss or damage to someone’s property. Protects you for up to £2 million in a legal action.
Choice of optional extras
Need extra protection? Choose from several optional extras to cover your pet’s needs, including dental illness, or cover if your pet is stolen or lost.
Need extra protection? Choose from several optional extras to cover your pet’s needs, including dental illness, or cover if your pet is stolen or lost.
Dental accident
More info
Covers your pet up to the chosen vet fee limit if they have a dental accident or injury. Always be sure to take your pet for annual dental check-ups, and follow your vet’s advice.
Behavioural treatment
More info
Get expert help with your pet’s mental and emotional wellbeing, as advised by your vet. Cover up to your chosen vet fee amount or the cost of up to 12 sessions, whichever is lower (Lifetime Plus); or up to £1,000 (Lifetime).
Complementary therapy
More info
As advised by your vet, this covers alternative treatments like acupuncture or hydrotherapy. Cover up to your chosen vet fee amount (Lifetime Plus); or up to chosen vet fee amount or £1,500, whichever is lower (Lifetime).
Emergency care
More info
If you can’t look after your pet due to an emergency, such as an unplanned hospital visit, this covers you for up to £1,500 (Lifetime Plus) in minding costs.
Third-party liability for dogs
More info
Covers you for legal costs if your dog causes injury to somebody or their pet, or causes loss or damage to someone’s property. Protects you for up to £2 million in a legal action.
Choice of optional extras
More info
Need extra protection? Choose from several optional extras to cover your pet’s needs, including dental illness, or cover if your pet is stolen or lost.
Defaqto 5 star rating when you choose vet fees over £4,000 with all optional add-ons included.
Basic cover alone has 3 star rating
Three-time winner National Insurance Awards Pet Insurance Award 2022, 2023 & 2024
Awarded Best Pet Insurance Provider at The Times Money Mentor Awards 2024
Pet insurance policies don’t tend to cover routine and preventative treatments, and this is the case with Petgevity too. We don’t cover:
Rather than paying for these treatments in one whack, ask your vet if they have a healthcare plan available. Monthly payment schemes can help spread the cost of vet visits for health checks, preventative care, annual jabs and boosters and so on.
The price you pay for dog insurance is influenced by several factors, including things like:
Before choosing the level of cover for your dog, it’s worth doing some homework into:
|
ManyPets | Petplan | Agria | |
|---|---|---|---|---|
| Maximum vet fees | £15,000 per year | £15,000 per year | £12,000 per year | £20,000 per year |
| Cover for pre-existing conditions? | ||||
| No compulsory excess? | ||||
| No compulsory co-payments for older pets? | 20% (from age 9) | 20% (from age 7) | Min. 10% (from any age) | |
| Tailor limits per pet on a multi-pet policy? | ||||
| Dental treatment for accidents? | ||||
| Behavioural treatment and complementary therapy? |
|
|
ManyPets | |
|---|---|---|
| Maximum vet fees | £15,000 per year | £15,000 per year |
| Cover for pre-existing conditions? | ||
| No compulsory excess? | ||
| No compulsory co-payments for older pets? | 20% (from age 9) | |
| Tailor limits per pet on a multi-pet policy? | ||
| Dental treatment for accidents? | ||
| Behavioural treatment and complementary therapy? |
|
|
Petplan | |
|---|---|---|
| Maximum vet fees | £15,000 per year | £12,000 per year |
| Cover for pre-existing conditions? | ||
| No compulsory excess? | ||
| No compulsory co-payments for older pets? | 20% (from age 7) | |
| Tailor limits per pet on a multi-pet policy? | ||
| Dental treatment for accidents? | ||
| Behavioural treatment and complementary therapy? |
|
|
Agria | |
|---|---|---|
| Maximum vet fees | £15,000 per year | £20,000 per year |
| Cover for pre-existing conditions? | ||
| No compulsory excess? | ||
| No compulsory co-payments for older pets? | Min. 10% (from any age) | |
| Tailor limits per pet on a multi-pet policy? | ||
| Dental treatment for accidents? | ||
| Behavioural treatment and complementary therapy? |
| Maximum vet fees | |
|---|---|
| £15,000 per year | £15,000 per year |
| Cover for pre-existing conditions? | |
| No compulsory excess? | |
| No compulsory co-payments for older pets? | |
| 20% (from age 9) | |
| Tailor limits per pet on a multi-pet policy? | |
| Dental treatment for accidents? | |
| Behavioural treatment and complementary therapy? | |
| Maximum vet fees | |
|---|---|
| £15,000 per year | £12,000 per year |
| Cover for pre-existing conditions? | |
| No compulsory excess? | |
| No compulsory co-payments for older pets? | |
| 20% (from age 7) | |
| Tailor limits per pet on a multi-pet policy? | |
| Dental treatment for accidents? | |
| Behavioural treatment and complementary therapy? | |
| Maximum vet fees | |
|---|---|
| £15,000 per year | £20,000 per year |
| Cover for pre-existing conditions? | |
| No compulsory excess? | |
| No compulsory co-payments for older pets? | |
| Min. 10% (from any age) | |
| Tailor limits per pet on a multi-pet policy? | |
| Dental treatment for accidents? | |
| Behavioural treatment and complementary therapy? | |
†For Lifetime Plus policies only – details correct as of 10 September 2024 via competitor websites. Competitor products are subject to their own T&Cs and can have different limits and requirements for cats versus dogs at different ages. For full details, please check the relevant policy wording.
For full details of Petgevity pet insurance, please read our policy wording.
Members of the Petgevity family get unlimited calls to experienced, UK-registered vets. Get 24/7 advice to keep your pets healthy and happy.
“My Dachshund has a playful personality. I love how fun and exciting this makes living with her. Mind you, her spirited nature does come with the occasional pratfall.
“And because of their short legs and loooonnngggg bodies, sausage dogs are at higher risk of developing intervertebral disc disease, or IVDD. Because this can be expensive to treat, I feel more comfortable with lifetime pet insurance with the highest vet fee level available. Now I don’t have to worry about guaranteeing her the best care possible if she gets into a scrape, or develops back problems.”
Beth Fox-Fuller, Head of Social and Dog Mum
Lifetime pet insurance is the most comprehensive pet cover out there.
This type of cover protects your pet for repeated illnesses and accidents up to your policy limits. And it lasts for their whole life.
Looking for the most comprehensive type of dog insurance money can buy? Lifetime Plus dog insurance has you covered. And you don’t have to take out this kind of pet insurance from when they’re a puppy – we can cover dogs of all ages.
Petgevity dog insurance comes with numerous benefits, such as:
Read all about Petgevity pet insurance.
Not with Petgevity Lifetime Plus! While some insurers don’t provide cover for older dogs, we’re happy to have senior dogs in our gang. There’s no upper age limit – we just ask that your dog is more than four weeks old.
We also won’t impose ‘co-payments’, which are mandatory contributions over and above your excess payment. It’s fairly common practice for these to be introduced when dogs reach a certain age, usually 8 years. But with a Petgevity Lifetime Plus policy, the choice is always yours.
When you arrange your dog insurance, you decide how much you’re willing to pay towards a potential claim. Some choose to take on higher excesses or bill shares as a way to keep their insurance costs down, because it shares the risk with the insurer.
So if you want us to foot the whole bill up to your policy limits, then set your excess to £0 with a voluntary bill share of 0% when you take out cover. While this will bump up the price you pay, it means there’ll be no unexpected costs if you need to make a claim.
It’s up to you when you take out dog insurance for your new pup, but we offer pet insurance for your puppy when they’re as young as four weeks old.
While this may seem a little young for some, it’s worth noting that accidents and ailments can happen at any time, including with young puppies exploring a new world.
We offer Missing Pet cover as an optional extra to your policy. This provides financial help in recovering your dog, such as the cost of adverts or rewards for their safe return.
With Missing Pet cover, you’re insured up to the cover amount or market value of your dog if they’re lost, stolen or stray, and you’re not reunited in 30 days.
These are the waiting periods for certain types of claim after the policy starts:
You’ll need to pay the bill yourself if any of these situations arise within the specified timeframes.
The exception is when you switch from another lifetime provider, you might be eligible for continuous cover. This means you can claim from the cover start date, provided:
Most pet insurance policies don’t cover teeth cleaning, as it’s a preventative treatment. Our policies are no different here.
Generally speaking, a good oral hygiene routine is your responsibility. Find out how to help look after our dog’s teeth.
We’re unable to insure certain excluded breeds which the UK government deems a risk to the public. In particular, under the Dangerous Dogs Act 1991, these breeds cannot be owned, bred, sold, given away or abandoned:
This also applies to any dogs cross-bred or mixed with these breeds.
No, you’re under no legal obligation to insure your dog. But as a responsible dog owner, it’s worth seriously considering.
Why? Well, your dog’s healthcare should be among your top priorities. Much like us, they can become sick or get injured at any time. Having a good dog insurance policy in place can help cover unexpected vet bills, and potentially give you more options when it comes to choosing treatment. Essentially, dog insurance gives peace of mind, and can remove the worry of having to make potentially heartbreaking decisions.
In short, yes. It’s a condition of our cover to have your dog microchipped, and it’s also UK law. Find out more about microchipping and other UK dog laws to be aware of.
In addition, you need to stay up to date with your dog’s microchip database contact info, just in case they go missing, stray or get stolen.
Our expert vets and behaviourists have great pointers to help keep your pet happy and healthy.
If your dog gets ill or has an accident, you want to give them the best care possible. Let’s take a look at why having pet insurance is important for your pooch.
†Lifetime Plus policies only
*Cover for pre-existing medical conditions is subject to acceptance. They will not be covered unless you have declared them and they are shown on your Confirmation of Cover.
**Illnesses and symptoms won’t be covered in the first 14 days and accidents won’t be covered in the first 2 days of the policy. This is unless you are switching from another lifetime pet insurance product with no break in cover and the claim you want to make would have been covered by your previous policy. Other exclusions may apply to other sections.
