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**.
You want your dog to be their happy, adventurous selves. But if they fall ill, you don’t want to have to make heart-breaking decisions if faced with expensive vet bills.
According to the Association of British Insurers (ABI), the average cost of pet claims in 2023 was £668. Having dog insurance could give you peace of mind that your top pooch is protected from the unexpected.
Wondering how pet insurance can help when it matters most? Our ultimate guide breaks down the key benefits.
Dog insurance is your trusty sidekick, ready to help with unexpected vet bills if your pup falls ill or has an accident. With a Petgevity policy, you get:
You also have the flexibility to add optional extras like Dental Illness and Travel and Holiday cover. So your dog’s cover is tailored to their unique needs, rather than a one-size-fits-all package.
Having comprehensive cover for those unexpected scrapes can help give you peace of mind while your pet continues living their best life. Discover flexible pet insurance that protects the important four-legged members of your household.
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
Similar to other pet insurance providers, we don’t cover routine and preventative treatments, including:
Ask your vet if they have a healthcare plan available to help spread the cost of these treatments. Monthly payment vet schemes can cover things like health checks, annual boosters, and preventive care.
The cost of dog insurance depends on a few things, like:
To help you decide on the right cover for your dog, you can use online research to find out:
†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. To access the complete Insurance Product Information Document (IPID), click here. For information regarding cover please see our Petgevity policy document.
Keep your pets happy and healthy with unlimited access to an experienced UK-registered vet 24/7 with FirstVet when you join Petgevity.
“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
Meet our pet experts
Lifetime pet insurance is the most comprehensive type of cover out there.
It can cover your pet for accidents and repeated illnesses up to your policy limits throughout their life.
In a nutshell, ‘lifetime’ is a term used to describe how vet fees work for a type of pet insurance policy.
Should your pet develop an illness or condition, you can keep claiming as long as you renew each year. That’s why having a lifetime policy gives you the reassurance that your pet could be covered for life.
We believe that cats and dogs deserve the best and you deserve peace of mind. It’s why we only offer lifetime pet insurance, as it’s the most comprehensive type of cover out there. It’s important to know that a lifetime policy doesn’t mean the price will stay the same over the life of your pet. The cost of their cover can still change each year and tends to go up as your pet gets older.
And not all lifetime policies are the same. Some providers use the term ‘annual limit’ and can offer policies with two types of limits:
To keep things easy, Petgevity policies have just one overall limit that resets annually. You can claim for as many conditions as needed up to your chosen vet fee limit.
Although many vets don’t charge a fee to register your pet, this is down to the individual practice. If in doubt, get in touch with your local vet practice or have a look at their website.
Understanding how lifetime pet insurance works doesn’t need to drive you barking mad.
To make things easier, let’s break down the process further.
A few other need-to-knows about how lifetime pet insurance works.
Petgevity considers all pet pre-existing conditions. When getting a quote, you’ll be asked about your pet’s health to see if we can cover them.
Sadly, not all lifetime pet insurance policies cover pre-existing conditions. This is dependent on the provider.
If an insurer does offer pre-existing conditions cover, remember to read their policy wording. Insurers may have their own definition of what is considered a pre-existing condition. This includes what conditions they’ll cover, whether there are any extra excesses to pay or any other limits to your cover.
The exact cost of lifetime pet insurance depends on your pet. Different things may affect how much you pay, including:
You could also end up paying more for lifetime pet cover than other types of pet insurance options. This is because it’s the most comprehensive type of cover. You also have the choice between paying off the policy in one go or spreading out the cost monthly, which may help to make it more manageable.
You might think it’s easiest to jump to the cheapest option when it comes to choosing pet insurance. Before doing this, you may want to take a step back and consider what is right for your pet and their specific needs, and if your chosen policy meets these needs.
Lifetime pet insurance has a vet fee limit that resets each year you renew the policy.
Then there’s products like time-limited and maximum benefit pet insurance. These cheaper policies may have a time limit on how long you can claim for new conditions. Or only cover new conditions up to a certain vet fee limit. So it can get confusing as to when and by how much you can claim.
Want a detailed breakdown of the difference between maximum benefit, time-limited, and lifetime pet insurance? Have a read of our blog on how to choose the best pet insurance for your pet.
Lifetime dog insurance is the most comprehensive type of pet insurance you can buy. Your dog doesn’t have to be a pup to take out dog insurance with us. Benefits of Petgevity dog insurance include:
Vet fees covered up to your policy limits each year Covers recurring or chronic conditions through the lifetime of your policy Your policy limits reset each year – as long as you renew and there’s no break in cover.
Find out more about Petgevity pet insurance.
Not on our Lifetime Plus product. Some insurers won’t take on older dogs. But you don’t have to worry about upper age limits with us. All we ask is your dog is more than 4 weeks old.
Many insurers introduce mandatory contributions if you need to claim. These are usually called ‘co-payments’ and are paid on top of your excess payment when your dog reaches a certain age – usually 8 years old. With our lifetime plus cover, it’s always your choice.
When setting up your dog insurance, you have the power to decide how much you’re willing to pay if you need to claim. It’s also a way to keep your premium down.
If you always want us to pay the whole bill up to your policy limits then you can set your excess to £0 and a 0% voluntary bill share. This will increase the price you pay but means you’ll never be out of pocket when you claim.
You can take out pet insurance for your puppy when they are as little as 4 weeks old. Accidents can happen at any time, even with puppies who are exploring a new world. Without the NHS to rely on as we do, you’ll otherwise have to pay the entire vet fee bill yourself.
It’s your choice when you take out dog insurance, but it is a risk to leave your puppy uninsured.
You can add Missing Pet cover to your policy. This gives you help in recovering your dog with advertising costs and offering a reward for their safe return.
This covers you up to the market value of your dog or cover amount – if your dog is lost, stolen or strays and you’re not reunited in 30 days.
If you’re not switching over your policy to us from another provider, you can claim after the following times, depending on the type of claim:
Accidental injuries – 2 days Illnesses – 14 days Missing pets – 14 days
If you do need help with any of the above situations within these timeframes, you’ll need to pay the bill yourself.
If you are switching from another lifetime provider, you could claim on your Petgevity policy from the cover start date as long as:
There’s no break in between your cover. The claim you want to make would have been covered with your previous provider. And you’re also covered for the claim with your new Petgevity policy.
Vet dog teeth cleaning isn’t covered under our dog insurance policy as this is a preventative treatment.
Professional cleaning can be done as part of a good oral hygiene routine to help look after your dog’s teeth.
Under the Dangerous Dogs Act of 1991, the following breeds cannot be owned, bred, sold, given away, or abandoned:
The UK government thinks of these breeds as a risk to the public and we’re unable to insure them. This is also applicable to any dogs cross-bred or mixed with these breeds. Take a look at our excluded breeds page for a full list of breeds we can’t cover.
While it isn’t a legal requirement to insure your dog, it’s something to seriously think about getting as a responsible dog parent.
Your pup’s healthcare is a top priority and, like humans, they can get sick or have an accident at any time. Dog insurance can cover unexpected vet costs and even help you afford more treatment options.
It’s both UK law and a condition of our cover to have your dog microchipped. We go into this in more detail in our handy guide to UK dog laws.
You’ll also need to keep their microchip database contact information up to date in case they go missing.
Learn how to keep your pet happy and healthy with guidance from expert vets and behaviourists.
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.
*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.