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.
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.
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**.
We love our dogs. Like family, we want them to be happy, and fulfill their sense of adventure.
We also want to protect them if they get sick or injured. 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 2024 was £685, 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.
Quick payment
Our claims were paid on average in 3.5 days in 2025
Average paid
Our average claim paid in 2025 was £526.77‡
Approval rate
89.68% of claims submitted were approved in 2025‡
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 pup lives their best life, having a comprehensive policy in place protects you for unexpected bumps, scrapes and bugs. Here’s what our flexible dog insurance offers.
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.
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).
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).
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.
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.
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.
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
Highly Commended for Best Pet Insurance at The Personal Finance Awards 2025
Want a clearer picture of what’s included? Here’s a closer look at some of the key situations covered.
Yes. Petgevity policies cover medically necessary surgery up to your selected vet fee limit. You’ll just need to pay any applicable excess or bill share outlined in your policy. Cosmetic or non-essential procedures aren’t included.
Diagnostic scans such as MRI and CT scans are covered under all Petgevity policies – up to your chosen vet fee limit or £2,000, whichever is lower.
Petgevity covers dental accidents as standard. If you’d like more comprehensive protection, you can add Dental Illness cover for an extra fee. This provides cover up to your vet fee limit or £5,000 (whichever is lower) for conditions like gum disease.
Yes. If your dog requires treatment after being poisoned, this is covered up to your chosen vet fee limit.
It depends. With Petgevity Lifetime Plus, we consider cover for any pre-existing condition, as long as they’re declared when you apply for your policy.*†
If your vet recommends euthanasia on humane grounds, this is covered as part of your vet fees, up to £250.
You can add Travel and Holiday cover to your policy for an additional fee.
This can include:
Dog 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:
Get Petgevity cover from just 31p a day.
That’s £9.33 a month or £111.98 a year.
^The above figure was calculated using the cheapest 10% of our new business sold policies (renewals and amended policies were not included in the data), from the date range of 1st July 2025 – 31st December 2025. The premiums used for calculation were the final premiums across all customers regardless of how they bought, including all additional cover options and Insurance Premium Tax, without exclusion on any specific customer segmentations.
†For Lifetime Plus policies only – details correct 6 January 2026 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.
Most dog insurance claims are for vet treatment, whether that’s for illness, injury or ongoing care.
With Petgevity, you can make multiple claims throughout the year, up to your chosen vet fee limit. This can be up to £15,000 per year, giving you support across multiple conditions if needed.
Good to know: When your claim is approved, we can either pay you directly or settle the bill with your vet – if your vet agrees.
Making a claim for your dog is designed to be quick and straightforward.
An excess is the amount you contribute towards each claim.
For example:
A bill share (also known as a co-payment) is the percentage of the remaining cost you pay after the excess has been deducted.
With a Petgevity Lifetime policy, a 20% bill share applies if your dog is aged 8 or over.
With a Lifetime Plus policy, there’s no compulsory bill share, regardless of your dog’s age.
“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
Here are some key things to know about managing your dog insurance policy.
When you first take out a policy, there are waiting periods before full cover begins:
These waiting periods usually don’t apply if you’re renewing or switching from a comparable lifetime policy.
You’ll also have a 14-day cooling-off period. If you cancel within this time and haven’t made a claim, you’ll receive a full refund.
Your policy will renew automatically each year unless you choose to opt out.
You’ll receive a renewal reminder around 21 days before your policy is due, including your updated premium.
It’s likely. As dogs get older, the likelihood of needing treatment increases – which can lead to higher premiums over time.
You can cancel your policy at any time.
We won’t refund any premium if a claim is made on the policy. If the claim is due to death, loss, theft or straying, then we’ll only charge you for the cover you received. For other claims, you’ll need to keep paying your monthly premium.
If you miss a payment, you can catch up through your account.
However, if payment remains outstanding for more than three weeks, your policy may be cancelled.
If you’re struggling, it’s always best to get in touch – support may be available to help you manage payments.
Petgevity is authorised and regulated by the Financial Conduct Authority (FCA). This means we’re compliant with high ethical and professional standards, and adhere to strict consumer duty regulations.
To find out more, read our:
If you make a complaint and believe it hasn’t been handled appropriately, or you’re unhappy with the outcome, it can be referred to the Financial Ombudsman Service. You have 6 months from the date of your final resolution letter to contact FOS.
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.
Do you need dog insurance?
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.
How to choose the best pet insurance for my pet
We explain the top things you may want to think about when it comes to researching pet insurance policies, including how you can compare pet insurance.
What is lifetime pet insurance?
We’re saying farewell to all of the confusion around lifetime pet insurance. Join us as we explore what it is and how it works.
†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.
‡Excluding open claims