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**.
Despite pets being a huge part of our lives, unfortunately there’s no NHS equivalent for them if they get ill or become injured. And this can happen any time.
If you don’t have vet fee cover in place, you’ll have to pay for all treatment costs yourself. And we all know how expensive vet bills can be.
Pet insurance is there for peace of mind that, if your cat or dog becomes poorly or gets in a scrape, you’re protected financially in the face of unexpected vet bills.
It’s also there for support beyond veterinary bills. Other benefits can include things like emergency care if you’re hospitalised, for instance, or money towards advertising if your pet goes missing.
Check out our complete guide to whether pet insurance is worth it to find out more about its benefits.
Get Petgevity cover from just 44p a day.
That’s £9.81 a month or £117.77 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 1 September 2024 to 28 February 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.
While being a pet parent is immensely rewarding, it can also turn your world upside-down. Luckily there’s comprehensive pet insurance to help with what life throws at you and your four-legged family.
Dog cover
Cat cover
Multi-pet cover
Dog cover
Cat cover
Multi-pet cover
Choosing Petgevity to protect your pet gives you more than just vet fee cover. Here's what you get from our lifetime pet insurance 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
Tailor your policy to your pet’s needs
You can choose a vet fee limit up to £15k. You can also add optional extras to the policy, and choose if you wish to pay an excess or co-payment.
Claim multiple times in a year, up to your chosen limit
If your pet is injured or falls ill, meaning you need to make a claim, the cost comes off your chosen annual vet fee limit.
For each year you renew, your vet fee limit resets
If you stay with Petgevity on renewal, the amount you’ve claimed towards your limit refreshes. This means you’ll be covered for repeated illnesses.
Pet insurance is designed to help with unexpected vet bills. It springs into action if your cat or dog gets into a scrape or becomes unwell.
With a Lifetime Plus pet insurance policy, any of your pet’s conditions that we’ve agreed to insure are covered for life*, provided you renew each year. 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 pet’s exact needs.
Pet insurance policies don’t tend to cover routine and preventative treatments, and Petgevity is no different in this respect. We don’t cover:
It’s worth noting that some vets will offer monthly pet care schemes, which help spread the cost of these types of treatments. Ask your local vet for more info.
|
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.
Your pet insurance is priced on several factors, including:
Need help deciding what annual vet fee limit to choose for your pet insurance? Here are a few things to weigh up:
Wondering what the vet is likely to set you back? Check out our guide to vet fee costs, which should hopefully help you work out how much insurance cover you might need.
Most of us are keen to save money where we can. Certainly, choosing a cheap pet insurance policy could be a way to limit your monthly outgoings. But could this be a false economy?
It’s important to make sure the policy you choose fully protects your pet should they become ill or have an accident. Vet bills can be costly, so it’s important to have a vet fee limit that will keep you in the clear. Otherwise, you might end up needing to foot any shortfall yourself, and could end up with fewer available treatment options.
If you need to stick to a budget, here are some other ways to potentially pay less for your pet insurance:
“Knowledge is power. Do your homework on your pet’s breed, such as whether they’re at risk due to inherited conditions. This can help you work out what level of insurance cover you might need.
“Also bear in mind that the cheapest pet insurance policy doesn’t necessarily mean best. Make sure your best friend’s adequately covered for any vet bills that might come their way.”
Kerry Willecome, pet insurance specialist
Members of the Petgevity family get unlimited calls to experienced, UK-registered vets. Get 24/7 advice to keep your pets healthy and happy.
When your cat or dog is living with health conditions, getting pet cover with a new provider can be tricky to say the least.
Any health concerns which have either been diagnosed or symptoms have presented themselves before taking out insurance are known as pre-existing conditions.
Some pet insurance providers will exclude these if you try to switch, meaning you may only be covered for new conditions which develop. Other providers may offer limited cover and/or mandatory excesses.
If you take out a Petgevity Lifetime Plus policy, we’ll consider cover for all declared pre-existing conditions*.
With our Lifetime Plus policy, we’ll consider all pre-existing conditions*. Just tell us about any conditions when getting a quote directly.
Pet insurance policies vary wildly in terms of what they cover, what they don’t, how much they cost and so on. These include lifetime insurance (which we offer), and other types such as maximum benefit and time-limited pet insurance.
It’s worth checking out our guide to how to choose the right pet insurance. But one of the most important things we will say is that – whatever type of policy you choose – be sure to check out the small print before you buy. You should always go for a policy that covers exactly what your pet needs, and know what it doesn’t cover too.
The thing with unexpected accidents or illnesses is that they’re exactly that – unexpected. You never know when something will go wrong, and this is true of pets of all ages.
If you’re after peace of mind, having pet insurance in place as soon as possible means they’re protected from then on. It’s also usually a good idea to get insurance while your pets are young, as this means you’ll be protected if they develop any conditions down the line.
With a Petgevity policy, you can protect your kitten or puppy from four weeks of age.
On the other end of the scale, it’s worth knowing that some pet insurers won’t take on new pets when they reach a certain age. This is generally eight for dogs and ten for cats. The good news is we have no upper limit on our Lifetime Plus policy.
For other policies, you may be subject to a co-payment after these ages, and your pet may not qualify for death benefit.
As with all insurance policies, you might be subject to an excess. This is the amount you agree to pay towards a claim that you make.
When taking out pet insurance with us, you can set the excess yourself. This could be as much as £500, or as little as zero.
With Lifetime Plus policies, we will not charge a compulsory excess for older cats and senior dogs. With other policies, they may be subject to a co-payment after the age of eight for dogs, and ten for cats.
With a Lifetime Plus policy, your pet’s pre-existing conditions could be covered*. We’ll ask you a few questions about your pet’s health over the two-year period leading up to the policy. This will influence the price you pay, although it will fairly reflect any conditions which can be covered. And then you’ll have peace of mind that they’re protected if any conditions worsen, or new conditions develop.
Read more about our pre-existing conditions pet insurance.
If you’re travelling abroad, or even just domestically in the UK, adding Travel and Holiday cover to your Petgevity policy means your pet will be protected on these trips.
This provides cover for:
If your vet needs to run extra tests in order to diagnose a condition, your Petgevity policy does include MRI and CT scans. This covers you up to your chosen vet fee limit or £2,000, whichever is lower.
Our expert vets and behaviourists have great pointers to help keep your pet happy and healthy.
†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.